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Student laptop

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Been looking and getting confused tbh... All these differant specs! Processors?? I think i am set on a min 4GB Ram and 500GB memory. Windows 7.

Budget is £400 but i am thinking it wont be needed as all my daughter needs it for is general usage plus...

University work etc
Picture storage /camera work - photoshop.
Music downloads / storage - itunes.
Skype / cam chatting. Important for Mum to have a good picture!!

No gaming.

Refurbs are mentioned a lot but are they reliable for a student who probably does not back up as often as she should!

Seem these but again... over the top?? More to go wrong?? Need something fast and reliable. Easy to pay for more than you really need.

http://www.pcworld.co.uk/gbuk/lenovo-g570-15-6-laptop-gun-metal-12377745-pdt.html?srcid=369

refurb deal.
http://www.currys.co.uk/gbuk/toshiba-satellite-l750d-14r-15-6-laptop-red-11306306-pdt.html?intcmpid=display~RR~Computing~11306306#product-information
I save so I can spend.

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