Textures were quite a mystery to me and the manual isn't a lot of help.
These  are a few of the ones I came up this this weekend. I hope they will
be a help to others.

The colors are 24bit brushes put them in you toaster/3D/Images dir. These
will give the reflective surfaces needed for the bells. They were created
with foil and by changing the color controls of the video camera that I
have. You should be able to the same with gels or colored foil. I used
brushes in this file because their filesize is a lot smaller. The full
toasterpaint image in most cases gives a better color.

Load the Metalic_Bell and Metalic_clapper and then select load Images and
load the different colors. The defualt image for both bells is Chr0me.  You
can create the different metalics by changing the image in the surfaces
menu.

To have more than one different color bell you will have to select the image
and then rename the surface and save the object with a different name.

The glass bell and lightbulb need to have another object behind them to be
effective.

Changing the reflected image color of the glass bell will change the color
of the glass. Also changing the RGB sliders of the surface color (experiment
and see what you can come up with.

Good Luck Steve Nevins