Here's my dilemma: My current desktop is being used between myself and two other people, I want all of my files and documents to be kept out of their reach, so I just decided to make a new user account. My question is: how can I copy all of the current settings and files from the default (no password) user to my new user account. I hope this makes sense, and as always, thank you for your help.
you don't have to, what you do is use the default account as yours and make it password protected. Then you set up user accounts for everyone else with their own passwords. That you you are set as the administrator on the system and can control how much acces each of the other users have.