There's a default (it's the perfect word you use!) template normal.dot (that you can easily find with Explorer) that contains all settings and contents you want to put in a new empty document if you don't specify another template.
And normal.dot isn't removed or created or overwritten when you uninstall or install MS Word, so - once it contains settings and contents like pictures) - it will keep them unless you either delete the whole file (Word will create a new one then, kind of a default default), or change it. You can change it by simply opening it in MS Word, and applying the changes you want.
It's a common problem, but easy to solve.
Despite having installed and uninstalled xp word on several occassions I haveone file that i can't delete.
Everytime I open a blank document for word this same file appears as if it has been set as a default.
The document contains a couple of pictures that were pasted to it from another file.
I have searched my computer and deleted every reference to it that I could find. The search now comes back clear but the document is still there.