If you load a figure you probably want to conform it, and thats on the top menu. 

If you load a prop you need to parent it to  a body part which you can do with the change parent option or by opening the hierarchy editor and drag and drop the prop onto the figures body part.

Manuals and starter tutorials will help. Its a steep learning curve but give it a few days and you will be flying along.

Why do you need hair and clothes anyway ?  V4 naked , bald in a temple with a sword is the normal first picture for all poser newbies. ;-)