1. What camera mode are you using? green (full auto) or one of the other modes? in green mode, the camera should adjust all the parameters so that you get the correct exposure (at least it will try to).
2. The meter pointing to the right to me, would indicate that you have an over exposure situation, that is, you have too much light.
3. The easiest way to see if you need a flash in a scene is to look in the camera to see if a flash symbol is flashing. In the green mode, the in camera flash pops up automatically.
Check your manual.