Firstly, not knowing about computers and/or the Internet does not make you an idiot. The analogy I always use for that is the internal combustion engine. I passed my driving test in 1983, but I do not know nearly enough about car engines to be able to service my car myself. However, I don't consider that that makes me an idiot, only that I'm not a qualified mechanic...
Anyway, you say that you do not know how to set up security on your wireless router. That sets the bells ringing here, as it tells me that your wireless network is likely to be completely unsecured, as that is the device's default configuration. If you simply plugged it in and it "just worked", then that's almost certainly the case. This means that anyone with a laptop (or whatever) within range can jump onto your wireless network and use it for their own purposes. I'm sure I don't need to point out to you what those purposes might be...
Since you have NetGear device, the URL for accessing its administration pages is likely to be either
http://192.168.0.1
or
http://192.168.1.1
Try pointing your web browser at either of those - does that take you into the router setup? If so, please say which NetGear router model you have, and we'll take it from there...