Well as my friend Sue found out, all she had to do was send me the file via email and ask me to save the file in PDF format for her. And that's how you get it done!
On the other hand, if you are using a Mac, just about every software product can print to a PDF file. Select the option to print the document, and then find the PDF option in the print dialog box.
On Windows however you may have to take extra steps. Microsoft Word, in its latest versions, can save a document to PDF format without extra tools, but earlier versions cannot. There are tools you can add into Microsoft Word to print to PDF format, including one that Doug and I both use, called CUTEPDF. It's free, and you can download it from the web.
For current versions of Word, on Windows, look into the options to share the document as a PDF file. It's built into the product.