First, which program are using that needs a spellchecker? (Outlook Express maybe?) Where are you accessing "tools - options - grammer& spelling". Generally, a program like Microsoft Office/Word or Microsoft Works needs to be installed so their "dictionary" can be used by the spell checker. Do you have those programs installed?
There is a free spellchecker which might help you situation. Here's that link:
Hope this helps.
When I go to tools - options - grammer& spelling the top of the screen is grayed out and does not respond.