User Activity

Could someone tell me how to delete my Cache and Cookies the easy way for a computer illiterate user. Thank you.
I have learned a lot by reading the previous Q & A pages but can not find them with this layout. Can anyone point me in the right direction please?.
If someone pays for your item with a CC and a couple of weeks down the road they do a draw back, simply because they want the item for free, but the account the money went in to is empty, how does the CC company get the funds back?.
I dislike the new setup page when trying to list a item especially when adding the photos so really would prefer the old way. Can we still use this way or do we have to use the new way.
I would like to put a picture in the description part of a listing. Does ebay allow this or is it a big no no?. The photo I want to put in is so much better than the other pictures I can take.