there are two choices:
Two involve getting root access to the pre, one does not.
Assume first, that you are willing to follow the steps for root access. After you have done that you can:
type ipkg-opt install
http://www.vocshop.com/junk/othello.ipk
and it will
or, you can install "commander" using this technique, then, you no longer need a terminal. Bring up commander and type that command into commander. Your app will install.
If you are NOT willing to go through the steps to get root access to the pre, download the sdk from any of the many sites it is available on. --- for this purpose you do not need the emulator, nor do you need the debugger. Just install the sdk.
Then, with the pre plugged into the usb with "just charge" chosen, from \program files\palm\sdk\bin type
palm-install -d usb c:\pathToApp\nameOfIpk.ipk
and bob's your uncle.
palm-install -