You'd be surprised at how much memory just being on the web can consume. Particularly if you use Chrome. I've seen Activity Monitor tell me that Chrome & Firefox have gobbled up as much as 20GB combined. Yes, I'm a tab hoarder. 🙂 If you haven't maxed out your RAM, that might be one place to look. It's possible that the beachball is just the system going to the swap files (virtual memory) from your hard disk. So an SSD could also help in that regard since the swap files will be accessible at much higher speeds than from a disk drive. If you do both, it'll feel like a new computer.