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Don't fear FTP, FTP is your friend.
Try SmartFTP here:
http://www.smartftp.com/Download, install, open it up.
In the top left input bar, simply type ftp.yoursite.com, then follow that by typing your username & your password into the appropriate spaces to the right of that. Click Connect.
Navigate to your themes folder & drag-and-drop your desired_theme folder over.
Isn't that easier than uploading your images 1-by-1?
I'm guessing the 'home, view account, download & forums' menu links are built into your theme, which (probably) is the reason you are seeing them at all. Go to Your XOOPS Admin > Groups > Anonymous & check the boxes of the blocks you would like to be able to view when you are not logged into your site. Hit submit.
If that doesn't help, go to blocks admin & be sure you set the blocks to be displayed in the right places on the appropriate pages.
Hope this helps!
www.myxoops.com - MyXoops Is Your XOOPS!