Thank you for your help...I cannot say exactly where I live but I can say I live in the Southeastern United States.
You're very welcome. No need to get specific about location, a [url=https://www.usna.usda.gov/Hardzone/ushzmap.html]USDA Zone[/url] is sufficient. In the southern part of the country you can keep the tree outside for large portions of the year. Most will suggest low temps of 55 or 60 degrees as a minimum for Ficus. I have found they are more hardy than that but when temps fall growth slows so perhaps it's best to go with that as a guideline.
I'm afraid that if I put my bonsai out right now it may end up getting over watered by the rain.
The use of a good free draining medium will greatly negate any chance of over-watering except for the very wettest times of the year.
My bonsai is currently in a pot with small rocks but I do not know what type of soil is in it currently because I just bought it a week or so ago. I plan to go with my mom to get a new pot and bonsai soil.
If the rocks are glued down, in a sheet or clump, it is very important that they be removed as soon as possible. With those in place it is very difficult to judge the condition of the soil and to water properly when required. You may have difficulty locating bonsai soil as it is unlike conventional potting soil. If you have not already, read it the sticky on soils, it has a lot of good information in it. Make sure to follow the links as well. Bonsai soil can be purchased on-line and this is a pretty good choice for the beginner who only needs a small amount. Later, if you maintain interest in bonsai, you may wish to learn to make your own.
If you have any more questions do not hesitate to ask and we will try to help. This site has a lot of good information on Ficus.