Al,
Since you're a self-confessed newbie, may I make some suggestions:
1. Once camera is attached to your computer and its basic USB connection established, the magnetic media in the camera is treated by your computer as just another "removable drive" and you can access it as you would any other folder on your hard disk, on a zip or floppy disk, etc. As has been mentioned above, the key objective at stage 1 is to transfer the jpg files on to your hard disk; and once that's completed successfully, only then should they be deleted from the camera's magnetic storage media. And by the same token, as standard jpg files, they can now be edited by any approriate software, and not just the stuff that came with your camera.
2. Once on your hard disk, you should immediately copy the images to some form of (really) removable medium, preferably a CD-Rom if you have a CDRW installed. This will ensure that you have a back-up "virgin" set of your precious digital negatives. In fact a second CD-Rom for off-site storage might also make sense if your negs mean a lot to you.
3. If you're using Paint Shop Pro (as I do), you should consider using its batch-convert facility to convert the images to its proprietary .psp file format before doing anything else. This creates copies of the jpg files but with a psp extension, and the advantages of doing so are:
a. The jpg file format is very useful as regards space saving, but it is notorious for the degradation in image quality it causes; and what's worse, this degradation is progressive, so each time you open, edit and re-save a jpg file, the saved file is worse that its predecessor. The psp format, which is also compressable, however, is "non-lossy" and thus does not degrade the source image. Once retouched and re-saved as a psp file, you can print directly from PSP in that format; and if you need to upload to a web site or send someone a copy by email, you can use PSP's "Export as JPG" function, that now creates a jpg copy of the retouched psp source file.
b Secondly when you've become more conversant with PSP you'll discover that layers and channels are two of the most important features available in your new digital darkroom, and the psp format saves these with the file itself.
HTH--Regards,Robin [Redbreast]