> Click your desktop, then select New Folder from the Finder's File menu.
> Click the folder's name; rename it "Downloads".
> When you need to download in Netscape, Click Save to Disk, click OK, then select the "Downloads" folder.
I also put a folder within that one called "Finished", so that when I'm done installing something, I can put those files in that. You can add other folders for PDF and whatever else.