In the first of Joe's examples ;

the black type is what you copy into your message to actually make the blue clicke thing (blickie). Many people find it convenient to keep a text copy of this handy to cut and paste - filling in the appropriate spots as needed.

The red type is the url/web address you cut and paste from where you want your blickie to lead to... substituting it for the red type in the example. the blue type is what is going to be visible. You can cut and paste from the example if all you want is "click here" or you can substitute whatever you want.