SQL Server 2005 - Multiple questions

My first question is what does "&" mean in sql.
My second question is what does "read" do specifically in sql.
My third question is...how do you insert information into a table if you do not have a finite set of information to enter. For example...if someone was creating a new profile and they entered a user name, password, first name, last name, and you want it to update automatically into your table, when they press the "submit" button, into the columns username, password, name...how would you do that?

1. & is a bitwise "and":
http://msdn.microsoft.com/en-us/library/ms174965.aspx
2. "READ" is not a transact sql statement that I can find in any references.
3. Check if the record exists and so an UPDATE if it does, otherwise, do an INSERT.