a terrific
FREE program that shows you exactly how much memory is actually being used....and it allows you to terminate anything you don't need to have running... like

even
screen savers are constantly running...(On or not) or virus programs... ect...so you either have some
memory hogs.....
or insufficient memory or the speed your being promised isn't being delivered
it's like a wicked expanded version of task manager
whatsrunning.com
also do a speed check