Small white circles usually means dust on the lens. Remove the dust with a blowerbrush - not a tissue.
You are asking for a "1 size fits all" solution for your settings, and indoor and outdoor use really means different settings. What you should be looking for is the "White Balance" setting - on Auto it will be about right, most of the time. You should be able to switch between indoor/outdoor settings (but they may be called portrait and landscape, or similar) and you will have to look through the menus for this.
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