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when i change my metering to spot meter, how do i expose on the subject after that? when i look in the viewfinder there are 5 points of focus - and i can use the dial pad to change the focus from one area (top) to another area (right)
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On all the Nikons I've used (I assume your D50 would be the same, but might want to check the manual), the currently-active AF sensor is also the spot metering point.
This can pose a problem if you want to focus on one area of the image and meter on another, unless you've set things up so you can lock exposure separately from AF (and even then it can be error prone). For this reason, I only use spot-metering when I'm shooting in Manual mode. That way I can do my metering, set exposure, then change the AF sensor to wherever I need it without having to worry about my exposure getting messed up.