Let's look at the two questions separately
shagalo
Q-2 : how many possible options are there for the gold, silver, and bronze medals out of 12 athletes?
We have 12 people and we want to choose 3 to give 3 distinct items. Here who receives what is going to matter and the question is asking the no of permutations possible.
shagalo
Q-1 : Let’s say Dominic took 10 photos. He wants to put 7 of them on Facebook. How many groups of photos are possible?
In this case the question is a bit unclear. If this was a GMAT question, in my opinion, it would be explicitly mentioned in the question whether the order matters or not. (Experts - I might be wrong about this, so please correct me if that is the case).
Coming back to the question, if it were me, I would solve it as a combination question if no extra information is provided. Why I would do this is because all the photos are equivalent without additional information.
Whereas, if you were to rephrase the question to - 'Let’s say Dominic took 10 photos on 10 different days. He wants to put 7 of them on Facebook along with the date the photograph was taken. How many groups of photos are possible?'
In this case, the photos become unique if the date is important and I would gravitate towards permutations. (Note that this question is a bit vague as well and it is possible to draw different conclusions about what the question is asking. If this was an actual GMAT question, it would be clearer than I have made it.)
To conclude, solve any combinatorics problem using permutations or combinations. Then ask yourself if the order in the groups matters. Depending on the answer and the formula you have used, you can get the correct answer by dividing or multiplying.
Hope that makes it clear.