Hi Bruce,
This is going to be difficult for you without a manual. There are a lot of things that can be adjusted and you really need to understand the principles behind the adjustments otherwise you will just dig the hole deeper.
First question would be to other forum members, does anyone have a K100 / K110 manual they can let Bruce have??
What country do you live in Bruce....that will help others help you.
The other thing you can do is go into the menu via the menu button on the back of the camera and check what settings are in place. Jpeg is it natural or bright (one icon is brighter than the other). Contrast etc are they all set 0 ?
Focus & exposure options are they set to multi or spot? (this is harder because the icons need the good book to say which is which).
Lets see if anyone comes back with a book Bruce....gonna make your life a whole heap easier.
Cheers
Grant