Hi Don-Horne,
To add captions to images, go to the Images Tab from any page and select Manage Images. Locate the image and fill-in the blank caption field and select "Update Caption" from the drop down list at right on the specific image. You can also update a batch of them by fill-in the blank and use the Update Captions button at top or bottom of page.
On the lister/editor, you also need to mark "Display Image Captions". It's at the bottom of the Image section on the lister page.
Dan