Juanite, welcome to the wonderful world of machine embroidery (ME) and AnnTheGran (ATG). ME is the most fun craft, it is beautiful, and creative, you are going to fall in love!
Starting with a towel is rather ambitious because it has special issues.
If you reply to this post, you will see an icon that looks like a film strip. Follow the prompts and upload a photo (if you have one) so we can see what you are speaking about.
In the meantime, I have a Forum post that will help you as a newbie - Check this out It is created with a Brother machine, but most all directions are the same for any machine.
Let us know how you are coming along. Read as much as you have time for and can absorb, post your questions here, and enjoy this beautiful craft. We are all still learning, believe me!
Pat, The Avid Embroiderer
If you are interested in selling your projects, you can determine your costs and profits quickly with my Spreadsheet.
If you want a lot of great information on working easier, faster and more confidently on your computer, check out my Tips and Tricks.
If you want to see my pashminas (that I successfully sell retail) check them out here. I also wholesale them.