Many program's use the 'default' Documents folder or 'Personal Folder'
to save file to.
As you know, this is your 'My Documents' folder.
You can change the location of your 'My Documents' folder by
right-clicking on the 'My Documents' desktop icon and choosing
'properties'. In the 'My Document' properties, click on the 'Move'
button to move it's location.
Also, many other programs have their own method of choosing where you
would like the default 'store' folder to be for saved files. You will
have to go through a program's configurable settings to find out which
do and which don't.
I believe that Adobe Reader does and it's default is the folder called
'ebooks' within 'My Documents' but it can be changed using the Reader
program's settings.
Also, MS Office programs can have a different folder defined for it's
default. - You just have to go into 'Tools' > 'Options' and it's
under 'File Locations' to define the 'Documents' item.
As I said, for other programs, you will have to investigate their
options.
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Cheers, Tim Meddick, Peckham, London.