They are easy. I was like you--I wanted one right away also. You can go to photobucket and start a free account. Then download photos out of your "My Pictures" or wherever on your computer to photobucket. You can use photobucket then to edit and add borders and names and etc. When you have something you are happy with saved in photobucket go to "User CP" and in the left hand side you will see edit signature. Click on that, then scroll down to the open message box, go back to photobucket and click and copy your siggy creation then come back to the message box and right click and paste the siggy creation in that box. If you have trouble someone else may be able to explain more clearly or differenly. I'm pretty technologically challenged so this is the only way I know.
Life is better because I have a friend like you.