http://www.make-a-web-site.com/
http://www.pagetutor.com/pagetutor/makapage/index.html
www.webmonkey.com
Colour Palletes
http://colormatch.dk
HTMLlock <---Need
http://www.devside.net
http://www.devside.net/download/crypto/disclaimer1.html
well, if you want text seperate from image, you could just do this:
<table width="100%" height="100%" border="0" cellpadding="0" cellspacing="0">
<td><td>
your text here, it's totally fun, yeah yeah yeah
</td><td>
<img src="your picture here">
</td></tr>
</table>
if you want to have the image on the left side, and text on the right side, just reverse the code like so:
<table width="100%" height="100%" border="0" cellpadding="0" cellspacing="0">
<td valign="bottom" align="left">
<img src="your picture here">
</td>
<td><td>
your text here, it's totally fun, yeah yeah yeah
</td></tr>
</table>