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Well the title says it all. So how do I use them and what do I use them on? Are they a finisher for something or do I paint over them or what?

Here is a good tutorial on how to use them to weather tank treads.

http://www.secretweaponminiatures.com/index.php?main_page=page&id=2

Pigments have lots of uses, the most common being weathering a finished product. This video shows that process:
http://www.youtube.com/watch?v=EU7jeb9drmM
What often gets overlooked is using them for smooth gradients on a model, often with a contrasting color to offer some visual interest to shadows. Here is an example of that kind of technique: http://chestofcolors.com/how-to-paint-with-dry-pigments/
And this too:
http://www.youtube.com/watch?v=6HjkO44H-AU
http://www.youtube.com/watch?v=pq1Z2AL1aQE