Owww I can't help out at the moment because I don't use Photoshop on this computer... but as soon as I get it back I'll gladly explain anything I know.
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I don't know how to apply them on a pic
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I think you already figured it out, but basically you choose them from the list, pick a color and just paint.
When it comes to brushes you've downloaded they're usually not meant for dragging around, rather to just click on the image.
I'll try to explain layers later, they're veeeery useful and simple but sort of difficult to explain.