I think I've been chatting exclusively with robots, as they can't seem to address my questions: 1) where do I find what I'm paying for what, and 2) 

I didn’t put skydrive on my computer; it just appeared.  MS keeps nagging me to sign up, so I do; next day when I try to sign in, a robo-message tells me my Outlook account appears to have been hijacked by someone who reads and writes Arabic MUCH better than I do.  I’ve never even OPENED Outlook.  I thought it just lived inside my computer, unused.  So I have to change my password.  And I’m not so imaginative about passwords.  Then it happens again.  This time I have to have codes sent—and at the moment all I have is a rotary phone, for reasons I won’t go into.  But this is already turning into an uncomfortable experience.  BTW, my Word 2003 keeps typing Saudi Arabic, too.  I suppose now the NSA will come knocking?  So what AM I paying, and for what, exactly?  And can I hear from a non-robot, please, because this is the third time I’ve typed this explanation for you guys.  This one I shall keep and just resubmit if necessary.  

P. S. It would now be the fourth time I've typed it if I hadn't saved it to keep pasting.

P.P.S.  I may just opt out of this whole setup if it's going to be like this; but I don't want someone pretending to me posting on my Outlook, which, as I mentioned, ISN'T.