THanks for responses. I did (I think) post this question in forum before but received no response.
My issue - I want to DISPLAY comments under blog - so users do not have to click on them to see them.
I saw a post that says, - to do this simply go to discussion in my settings - http://en.support.wordpress.com/comment-display-options/
PROB is - I dont have discussion option in my settings.
Other posts say i simply need to copy some html code(which I have) and insert into index file - problem is I cant locate my index file - may be that I a just cant find it but is this an issue because i have the .com version and free version?
Am starting a new blog where displaying comments is really important and have been going around on this for 2 weeks,..