So being tech challenged I have question for those of you who are better equipped!
I can access PayPal from home but this week I tried from 2 other locations and I could not get on the site. Is there a Setting that I am not making use of?
When you say different locations, do you mean that you are connecting via a wi-fi hotspot in say, a coffee shop? Most sane modern computers draw a sharp line between public and private connections and will curtail what you can do on the public. There are (unsafe) exceptions that can be made but you really need to understand that on the public connections anything that is communicated, account and credit card data for example, is potentially observable by others in the area.
I never do anything vaguely dangerous on public connections, preferring to use my cell data even if it might be a bit slower in some cases.
We have a couple Verizon MiFi jetpacks that generally are useful when travelling. Not always perfect, but far more private than using a motel wifi connection.
I think your nephew gave you good advice. I have a VPN account primarily because I use public/hotel WiFi quite a bit. Not all VPNs are created equal and I'm doubtful about free ones. The risk of using public network access supposedly decreased quite a bit once secure HTTP (https:) became common but a second layer doesn't hurt IMO. Mozilla is offering a VPN for Windows and Android. I don't use Windows but will probably switch to the Mozilla/Firefox VPN once when my annual subscription is up. 5 devices for $4.99/month no contract. The provider is a Swedish company with a pretty good reputation.