Welcome to the forums Dick!
There is a freeware app called "
minitones" that allows you use MP-3's as ringtone on your 650.
If you don't have the manual, I would suggest you
visit here
This will cover how to change pictures and also much much more. If you don't find what you are looking for in the manual, try using the search feature here. Just type in what your hunting for!
Congrats on the 650! I am now using a 680, but my old trusty 650 is finding much love with my wife!