what hardware are you running?
when you get the beachball in one app, can you still switch over to other apps?
I remember getting the little spinning cd/watch in os9 a lot. plus if you were waiting for photoshop to run a filter thats what you were doing until it got done. not so with os x. maybe you get the ball a lot, but that doesn't mean you have to sit there. (but there is no way for us to know how much is normal for you since we don't know your hardware specs.