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First time buying a laptop, what options should I choose and why?

I am currently looking on Hp.com at a HP pavilion dv6700t. I am including a 1 yr extended HP warranty with accident drop fix, return and replace. due to the large expense. But have very little money and can not get a credit card. I use the internet, messengers and load photos. Not too big on games and I do alot of my bills and keep track of my finances thru Quicken. I also tend to download programs from the internet. I do word documents and microsoft works and apply for jobs as well as resumes. Yes, I have researched questions and answers about computers but STILL dont understand everything. I do know AMD is cheaper but more for games and Intel is more expensive and is faster. Main questions I have are how much memory do i need, hard drive space, processor(s) and what type of Internet networking connection should I choose and why? Explain in details what ALL the computer specs I have listed means please...Thank you! :) 1 st choice that I want is... HP pavilion dv6700t Begin Price: $743.99 Operating system: Genuine Windows Vista Home Premium with Service Pack 1 (64-bit) *Included in price* Processor: Intel(R) Core(TM) 2 Duo Processor T5750 (2.0GHz) *Included in price* options: Pentium(R) Dual-Core Mobile Processor T2390 (1.86 GHz) (-$75) Display: 15.4" diagonal WXGA High-Definition HP BrightView Widescreen Display (1280 x 800) *Included in price* Memory: 50% OFF 3GB DDR2 System Memory (2 Dimm) (+$25) options: 2GB DDR2 System memory (-$25) Graphics card: Intel(R) Graphics Media Accelerator X3100 *Included in price* Hard drive: 250GB 5400RPM SATA Hard Drive (+$50) options: 120GB-160GB 5400RPM SATA Hard Drive (-$50) Personalization: Webcam (+$25) Networking: Intel(R) PRO/Wireless 4965AGN Network Connection (+$40) options: 802.11b/g WLAN (-$40) Intel(R) PRO/Wireless 3945ABG Network Connection (-$25) HP extended service plans: 1-year HP Accidental Damage Protection with HP Pick Up and Return (+$99) options: 2-year HP Accidental Damage Protection with Pick Up and Return (-$169.99) Accessories: HP Nylon Value Carrying Case (+$39.99) End Price including tax: $976.53

Public Comments

1. Well the specs for that laptop i would expect it to be some sort of gaming laptop, you really, if you dont play games dont need to spendthat much on a laptop. For the things you do you could get one for £400 easy. Shop around. 2.0GHz can play most top range games.