Many, many thanks to all for your advice, help and suggestions, and especially to Fred and Mike for his video.  I finally was able to save my photo(s) to the folder on my desktop.  It was not using the "save to file" option correctly that was messing me up. 

By being able to save my photo files to the folder on my desktop I am now able to use my HDR program for additional editing which was my original plan . . . so the other thread I started has now been answered, as well.

Thanks again to all . . .

FredSG