I’ve attached a short video showing how to access the settings from the WP dashboard – http://screencast.com/t/kpViMpesr4rU
Did you actually set up the install? Or did a designer work on your behalf and then give you access? If so it might be they’ve not given you enough access to the admin area. You need to make sure that they give you have full admin level access, in order to see all of the available tabs.