Not at all Bill, no worries.
What I do is type the text before the first pic, then hit enter 3 or 4 times to get some blank lines, then at least start to enter more text (really I normally finish all my text with the picture breaks then add the pics). Once I have the gap in the text I click in the gap to put the cursor there, then insert the picture. Once the picture is in you can then click on your text below the pic and continue typing. Every time you want another picture you just repeat the process.
The problem you're having is not being able to get the cursor where you need it and this method fixes that. Have a go and ask away if you need more help.