PM is a private message. If you look at the bottom left of my posts, there are two buttons there, one of which is PM. Click that and it'll open a page that will let you send a private message, like an email on the forum.
A 'link' on the internet is like an address, it tells your internet browser where to go to find the picture or website, like this:
http://i447.photobucket.com/albums/qq19 ... ad3160.jpgThat is just a random picture link from photobucket, but you get the idea of what it looks like.
www.google.com, or even
www.bengalcatforums.com are also internet links.
Now, for the collages of pictures like the one Lollo has, its actually just one picture. They five different pictures, cut up a bit, and stuck together into one picture in an image editing program like Microsoft paint or something. Just like you'd do with real pictures in a scrapbook. I can make you one pretty easily with pictures of your cat(s).
For your pictures, I'm not familiar with your type of phone, but were you able to get the pictures into photobucket? If so, look for a section that says something like "Links to share this photo". Copy the one that says "Direct Link" and post it here, or send it to me in a private message.