Office Depot sells an Xtra-Drive which is a USB based shell in effect that you can just slip your SD card in a slot, then plug it in and drag and drop or copy using My Computer. All you need is a front panel USB port. Works wonders. The adapter costs about 7-10 bucks. I forget exactly.
1. Insert the SD card into your memory card reader. 2. Use "Windows Explorer" to find out the drive letter that your card reader is using. 3. Download music to that drive letter or use Windows Explorer to drag and drop your music files to that drive letter. If your computer is like mine you need to follow the "safely remove hardware" function after using your card reader so that your computer will reboot the next time properly.