word wrap around pictures

This may be a very basic question… but I am frustrated so I figured I would ask.

When I put in text and then add a picture 8 out of 10 times I can’t get the text to wrap around the picture. It has happened on all the sites I have created so it isn’t just one template that is the problem.

It also happens when I put the picture in and then add the text.

Any suggestions you can give me would be appreciated