Do you use Outlook Express as your emailer? In the New Message box, when you're typing up the message ..... make sure you're using Rich Text (from the Format menu) .. this will allow you to format your email with different fonts, font size, coloured text, etc .. and add pictures, charts, other files etc ..
To insert a picture wherever you want in the email (beginning, middle, end) just position the cursor where you want ... then select Picture from the Insert menu. You can browse through all your files to find what you want, click ok, and voilą, there's the picture in your letter ..
I imagine that Netscape has similar feature for formatting emails ... the Help files would be a good place to look.
Congrats on the new scanner! I recently got a scanner myself, and it also came with PhotoShop Deluxe, but business edition. Alas, most companies are no longer supplying written instruction books ... the User Manual and Instructions are part of the Help files that came with the scanner's software. Open the Adobe program, and click on Help. There is an option to print it out if you wish. Having it on the computer is nice though, since everything is cross-linked, saves you having to flip back and forth through pages in a booklet.
p.s. - I am definitely not a compu-wiz. That's Wa'il's domain. I've just made so many mistakes, I am now an expert on what NOT to do!!
Doreen