In 99% of the fonts I download there is not a font file to install. I get a read me file and a jpeg of the font. Using Windows 7. Can anybody help?

I'm sure that's not right. I have yet to encounter a single font file here that was missing the font. Something is amiss with your PC, maybe? File asssociations?

Can you provide a specific example?

Example: I downloaded "Saturday Nights" font. When unzipped there is a TIF image that says Font, a PNG image file of an example of the file. and a text document stating the terms of use.

Apparently, it's a problem with my computer. I tried downloading on another computer and it works fine.