First start with the spot you want people to be transported to. Pick a word and wrap it in the <A> tags.
<A>Add</A> the URL and you're done!
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Next give that spot a NAME.
<A NAME="upabit">Add</A> the URL and you're done!
What you have done is marked that spot. Now it can be referenced.
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Now start building the link.
Click <A>here</A> to be magically transported...
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Add the document to be referenced...
Click <A HREF="lesson04.html">here</A> to be magically transported...
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And lastly, add the anchor NAME like so...
Click <A HREF="lesson04.html#upabit">here</A> to be magically transported...
And that's all there is to it! Not exactly brain surgery is it??