can someone say me how to put an image below my title?

well, here goes:
- click on "profile" link
- click on "edit options" link
- click on "change avatar" button...
... this will take you to the Avatars page. here:
- you can either use one of the existing UM avatars, or
- you can upload one of your one from your PC if you choose yes on the Custom Avatar, then click "browse" pick your image from its location on your PC, click on "Submit Modifications. TADA! Your new avatar is installed. note that every time you change avatar or signature, these two change on all your previous posts as well. i think this should cover it.

oh! welcome onboard!