Gary, there are a limited number of people that are frequent contributors to this site that can actual offer help that is relevant and sound. Usually the one or two people that first comment on a photo in the "Help" forum hit on the points that need to be made. The photo may continue to receive views after those initial critiques but viewers have nothing to add. The photos may also be viewed by members with nothing to offer for help. You have to remember that there are far more people looking for help than there are those that can offer it.
As for the "Waterfall In The Woods" photo, here is what I see.
The composition is nice. There is a foreground element that helps add depth to the photo. The log running vertically through the shot provides a nice leading line to the water fall and the photo ends before running into too much sky.
From a technical standpoint the exposure is off in both directions, over and under, in different parts of the photo. The sky is blownout and the foregeound is hot. The waterfall itself is a little dark. Looking at the EXIF date shows the camera selected ISO 400 and f/3.4 to make the photo. I can only guess at the shutter speed as it is not displayed. For a scene with that much dynamic range you either need to change the composition before recording the image or plan on some serious editing to bring things back together as far as exposure is concerned. Shooting at a different time of day or on an overcast day when the lighting is a little more even might yield a better photo. I believe your Coolpix gives you the opportunity to take control of ISO, Aperture and Shutter Speed. If so, I would start learning how they all effect exposure and how to take control. The book "Understanding Exposure" is a great reference for this.
Keep shooting and reading through the forums. There's good information to be had if you're patient and persistent.
-------------------------
"Not living the good life but living a good life" - CE
My SP Photos
My Website