Hi group and Steve,
Welcome to the NVDA Group, and I too hope you had a good Dec. 25 and
that 2019 will be full of health and well-being for all of us.
The answer to your question about changing voice settings is
Insert numeral two and numeral three.
Pressing the insert key together with the number two will turn
character speak on or off.
Insert key together with numeral three turns speak words on or off.
The insert key, if you are unfamiliar, may be just to the right of the
backspace key. All the best.