Thanks, and yes as I'd found out - pasting window screen-shots from 'Grab' didn't seem to work in either standard or HTML format in this Apple forum, so I'm doing as you suggest with hopefully minimal typing.
Here's the 'Login Items' from my User account that ARE checked off:
Quicksilver (Application)
KeyCue (Application)
SymSecondaryLaunch (Unknown)
iTunesHelper (Application)
Othere that are NOT checked off:
GrowlMenu (Application)
GrowlHelperApp (unknown)
GrowlHellper App (Application)
System Events (Application)
LMILaunchAgentFixer (application) - (maybe a 'LogMeIn' file?)
EvernoteHelper (Application)
ToDoHelper (Application)
bzmenu (application) - (looks like a BackBlaze file, by its icon)
Dropbox (Application)
Google Software Update (All - (Application)
HPEventHandler (All Users) - Application
and now for your other suggested folders (and THANKS for your 'Terminal' tip; I need to know more about those commands. I do see a 'Kaspersky' file or two; likely due to my Parallels/Windows software; I don't have Kaspersky updated - only used the initial free version that came with Parallels):
ls -1 ~/Library/LaunchAgents/
com.adobe.AAM.Updater-1.0.plist
com.adobe.ARM.202f4087f2bbde52e3ac2df389f53a4f123223c9cc56a8fd83a6f7ae.plist (what the heck are these two Adobe files; this and the next on listed?)
com.adobe.ARM.c0710a3bbc1f7b43a9487efa35b9142c1acc4fbd27f79fa7f26c3632.plist
com.apple.FTMonitor.plist
com.apple.FolderActions.enabled.plist
com.apple.FolderActions.folders.plist
com.apple.imagent.plist
com.apple.marcoagent.plist
com.macupdate.desktop5.scanner.plist
com.smithmicro.cleaning.schedulermailer.plist
ls -1 /Library/LaunchAgents/
com.adobe.AAM.Updater-1.0.plist
com.hp.help.tocgenerator.plist
com.kaspersky.kav.gui.plist
com.logmein.logmeingui.plist
com.logmein.logmeinguiagent.plist
com.parallels.desktop.launch.plist
com.parallels.vm.prl_pcproxy.plist
com.smithmicro.cleaning.quickbackupcheck.plist
ls -1 /Library/LaunchDaemons/
at.obdev.littlesnitchd.plist
com.apple.third_party_32b_kext_logger.plist
com.backblaze.bzserv.plist
com.google.keystone.daemon.plist
com.kaspersky.kav.plist
com.logmein.logmeinserver.plist
com.microsoft.office.licensing.helper.plist
com.parallels.desktop.launchdaemon.plist
com.smithmicro.schedulerdaemon.plist
ls -1 /Library/StartupItems/
ArcanaStartupSound
HP IO
HP Trap Monitor
M-Audio Firmware Loader
RetroRun
Thanks again; especially if you're able to help solve this.