thanks Conroy/ Charles/ JJ. this is helping.
Ok so best thing then is to use the crop tool. put in 20x24. I think I have to do that, because of those basic print sizes I'm offering.
But do I need to put 300 in the res field. Does the print lab really need that to be done?
What if I just left it blank or put in 72 which is what the Canon file is out of camera? Would that create a better final image? or not?
To tell the truth I don't use the crop tool. I use the marquee tool, image crop and image size. If you use the crop tool and fill in a resolution field in the crop tool the crop tool does all three operation including resampling the resulting crop to the resolution you entered. Adobe has also re-implemented the crop tool in CS6 which has many up in arms. Didn't bother me at all.
IMO if you use the crop tool its best to leave the resolution field empty. That way the crop will not be resample. You can enter width 24 height 20 or width 6 height 5 there actually the same aspect ratio as is 12:10
After you do the crop you can use Image Size. In the dialog un-check resample set the print width to 24. You will see Photoshop set the height to 20 and set the DPI to some value. If the DPI value fall below what you want check resample set in the resolution you want and the interpolation method to use then click OK.