Actually, the problem exists with the Mac, not me.
After a couple hours of troubleshooting and a couple dozen reboots (ahh, just like my PC days!!), I have determined the problem is with Parental Controls and Safari. I have two other users with Parental Controls enabled. When they go on Safari, then either log off or go to the Login Window, the Mac crashes now. Did not have the problem before. Seems like a recent software update contributed to this problem??
I setup two new accounts for them and so far it seems to be working but I have not extensively tested it.
There existing profiles have alot of custom links, pages, etc which I feel bad they may have to start over with new accounts. And these may end up crashing also. Way to go Mac!