Buttons for adding report elements to the report can be found on the left side of the designer window:
The availability of the following report elements depends on the used platform (16 or 32 bit) and on the application in which the report designer is used:
Richtext field Richtext from data field
To add an element to the report you must click its button and then click on the report where you want the element to be inserted. Of course you can still move a report element to another position later.
When adding new report bands it doesn't matter where you click on the report, because the position of each band is determined by its band type (page header, title band, ...) automatically.