You have to store the persons number on to the phone and not the sim for the
piccy to be displayed. You then get more options. Select someone in the
phonebook and press the top-centre most button on the phone. You should now
see the option to add a picture, then choose one from your phone. This
feature si really cool, esepcially if u have phone on silent !

The predictive text is called itap, which is not turned on by default. When
writing a message select handy top-centre button again, then entry setup,
and you want to select iTAP english. Takes a while to get used to but works
pretty good after a while as it remembers words u use a lot. the # button
changes between iTAP and the other modes. the * button makes a space or a
new line if held down. U can also scroll through the words it displays with
the joystick thing then select using top right button

Not sure about voice as i havent played with that yet (im new to the phone
myself)

But as you say all this is in the manual, take ur time to read it.

Keith