cant get annoying line at the bottom of my type fonts off!!help!!

hello everyone. can anyone tell me how to get this problem resolved. everytime i use my type, when i click on my work area, a black dot appears on page before i begin to type. then no matter what font i use, there is a black line under all my type. how can i get just the black dot from appearing at first when i click, and that annoying line under all my type to dissappear! i'm veryy new to photoshop, and i have cs. Thanks.

you can't get rid of the dot, that's just to show where you are typing.

to get rid of underlines, select the text layer, then click Window > Character. You'll see a button ont he bottom of a T with an underline under it. Click to toggle that off and it should remove the underline.

Thank you very much. Problem solved.