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Thanks both for the help.

Additional questions (some based of what you said)

1. I tried a high shutter speed. It froze the motion (shower), perfect. Right? Well I turned it down to the opposite. It blurred yes, but I noticed that the movement still froze!

2. Aperture: you say it focuses certain things when it is a small aperture (high #)? But mine didn't focus anything it was a regular photo!

HomeInMyShoes, I don't quite understand anything you are saying about washed out skies, it doesn't make sense. Dials? Combinations? Is the Polarized filter a UV filter cause I have one of them. I usually don't do ISO higher than 400. My lowest is 200.

Thanks for all the help.