On a lighter note.. We are in the same boat. I live in Philly as well. Center city area. Welcome to disboards!
If you haven't already gotten the information on how to create your banner, hope this helps.
Click on any banner on any post you see. This will take you to the create your own banner page. Follow the directions. Once you have created the most awesomeness banner ever, you will be provided with a URL. It will Look like this (URL)blablabla.blabla.com(/URL) right click that URL and copy it. Now go back to dis.
On the top left corner of your screen in the just below the ad you will see "user cp" click on that. You will be taken to another screen. This is you key to changing all your personal data. In the left column of your screen look for edit your signature and click it. In the middle of your screen you will see a box " looks sort if like when you post on dis. Right click in the box and paste the URL that you copied from the banner creation earlier. Scroll down and click the " preview " button. If you did it right your new banner will be right there in front of you. Then scroll down and click "save". Your all done. Once you get comfortable you will be able to get creative and post little birdies and smilie faces!
If you need more clarification you can send me a private message. I will create a banner for you and pm it to you.