To apply a material to an object or an object's polygons:
1. Select the polygons you wish to apply the material to (or just select the entire object if you only wish to apply a single material).
2. Open the ZE Tools Material Manager.
3. Type in a name that makes sense for your new material and click "Create".
4. Select the newly created material in the list and click "Assign" (with your object still selected as well).
5. With the material still selected, click "Edit".
6. In the material's property window that pops up, click the plug icon next to the "Color" field in the "Diffuse" group, and click "Image".
7. In the new page of the window, click the "New" button in the "Image" group and click "New From File...".
8. In the file dialog window that pops up, browse to and select the TGA texture file you wish to assign to the material and click "OK".
9. Done!
I won't go into properly unwrapping UVs or anything, but to set up basic UVs with an object:
1. Change the viewport's rendering mode to "Textured Decal" so you can see the results once the UVs are applied.
2. Select the object in Object Selection Mode (not in Polygon, Edge, or Point Selection Mode).
3. Go to Get > Property > Texture Projection > Unique UVs (polymesh)
4. Press Alt+7 on your keyboard to open the Texture Editor window, which will allow you to edit the selected object's UVs.
Be sure to check out the videos on texturing found here:
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