1) A factor in this deliberation is that more and more programs are being released with multithread capability. That is they can use more than one CPU thread to execute a single command. So things happen more quickly. Some photo editors and video editing programs are multi-threaded, for example. However, the Internet browser you use to access Netbank or your email client is not, and is unlikely to be in the foreseeable future.
This is one of the many reasons why Core i7 processors are the creme de la creme. Not only are they quad cores, they also support Hyper-Threading. Thus, a total of eight threads can run on them at the same time. Combine that with 8MB of cache and Intel Turbo Boost Technology, which all of them have, and you’ll see what sets the Core i7 apart from its siblings.#
2) Some programs allow you to use the memory(ram) onboard the graphics card as well as your installed memory. Unless you are gaming you will see no difference between a 512mb card and 2gb card for 2d applications.
The ram on a gfx card preloads "Stuff" required to make a game / program do it pretty thing you wont be stressing this side of it for what you have said you want to do. However if your going to game get the bigger card.
3) SSD <---- Speed incredible boot times install times stupid fast.... Sata<----- more space and you don't notice how slow they are until you have used SSD.
* With external drives so cheap and the need to back up anyway SSD is an option however i see far more my SSD crapped it self stories than SATA crapped itself stories.
4) Stretch and buy the best you can now afford as tomorrow it will be old anyway ....
My Choice:- for the purpose you have described i7 cpu ..... 1gig gfx .... 7200 Sata hdd ..... 8 gig of ram
# Shamelessly copy pasted from PCWorld Australia(
http://www.pcworld.idg.com.au) as easier than typing it myself