So, after doing a lot of research. I'll be going with this (same card I linked in my opening post)
http://www.amazon.com/gp/product/B00BZB0I3W/ref=s9_psimh_gw_p147_d1_i3?pf_rd_m=ATVPDKIKX0DER&pf_rd_s=center-2&pf_rd_r=1VQHGWM75G0YMEXETFNX&pf_rd_t=101&pf_rd_p=1389517282&pf_rd_i=507846Hopefully I'll have the money by next week. It'll depend how many jobs my parents get after memorial day. Plus if not next week, I get my disability check on the 1st, that I can probably use some of the money to get the card.
I was thinking of the 660, but after doing my own research and dad did a lot of research as well...the 660 would only be a slight increase in performance and the extra cost isn't really worth it. I could go with the 660ti, but that is around 300 usd...and at that, price I might as well go for a 400-500 card at that point. The 650 is much more worth the cost. It is pretty cheap really for what I'd get, and still be at least 3x better than my Geforce gtx660 896 mb.
Now, it is possible there is some memory bandwidth problems...supposedly this goes all the way until the 670 series cards. However at the same time, I hear from different sources different things. Some people on Tomshardware say (and the tech guy I originally talked to) after 1.5 GB is used, it doesn't fully use the other 512 and uses it as cache or something. But, then people here on this forum say that isn't the case with the retail cards. Whatever case it is, doesn't seem to be talked about in any extensive detail. But, it will still be a much better card (especially for the price) than my old one.
But that will be the card I go for. I hear a lot of good things about it. And I'll probably go through amazon, because I have a gift card that should have 15 dollars left on it. Plus free shipping. Maybe going radeon would be better for the money, but in the end, me and my dad decided to go with the card I linked.