I looked at MS Office Picture Manager - and there is an option for 4x6. Under CROP SETTINGS->ASPECT RATIO choose 4x6. You also have the option for landscape or portrait.

Do not crop too close. There will still be a "bleed" area that may not get printed depending on who prints your photos. Always leave just a little more than you need.

Thanks, iowagirl2006 ~ I found the 4X6 setting just as you said and don't know how I missed it the first time ! I applied it to the photos that had the heads cut off and see what you mean about why they were printed that way. Damage done, is there any way to correct the problem? What about taking the CD of photos somewhere for printing instead of uploading to Walgreens. In other words, is this a 'fixable' problem that will result in a 'heads on' result??? These are pics from my daughters wedding last week and, of course, some of the best shots (the ones I monkeyed with the most) are the ones most affected. Thanks again.

After you have your photos selected & edited as you want them, put them on a thumb drive or sd card and take that to Walmart,Kmart, Walgreens or where ever they have printing in the store. You can put your thumbdrive in the kiosk and the photos will come up on the screen. Select the size photo you want and it will outline the photo edge on the screen and you can shift the photo inside the outline until you get the alignment you want, then hit the print button.

Thanks for all the help ! Tonight, I took my CD of photos to Costco and the nice guy there showed me how to 'save' my pics. He was great ~ photos look great (no more cut off heads!) and I'm a happy camper . . . I mean photographer. Learn something new every day. Thanks again. My Gardenweb family has never let me down. annie

Hi Annie,
If you mostly print 4x6s, make sure that before you take your pictures that your aspect ratio set in your camera is set at 3:2. The sx40hs lets you shoot in the different ratios, 16:9 (widescreen), 3:2, 4:3 and 1:1. It defaults to 4:3 for some reason.
To change it to 3:2, with your camera set in a picture taking mode push your func set button twice. A menu will pop up with several things you can change on the left hand side. Toggle down to the aspect ratio (16:9 for example) then turn your wheel to the left or right to select 3:2 and push the func set button again. No cropping needed now for 4x6s.
Hope this helps. If you have any more questions, feel free to ask :)
Rhonda