Attached Link: Help! Quick! Before I go Insane!

Hey, I'm recently new to Poser, and when it seems I've made a breakthrough with something, I find out it's nothing big. I have a few problems concerning OBJ files and CR2 files. For instance, I downloaded a head of a goateed man, which was in OBJ format, so I opened poser, and imported the head. I kinda knew nothing would happen, but, how do I get Facial Hair on my figures? Another thing I have trouble with is Textures. I found a texture of a goateed man and it was JPG. I know this is to speed up the downloading process, so I opened it up, in Photoimpact, and saved it as a TIF. When I opened up one of my previously saved figures to try the texture, I went to Materials, and opened it up, and the result is a hidious abomination of messed up texture. Please help, any help would be great, links, e-mail, that would be good. My ICQ is 29606343 . Please message me if you are a Poser expert or suffer the same problems as I. Thanks! Stratosis rjt@penn.com