That on-line tutorial is ancient and not very applicable today. Also, while its useful to understand the basics of HTML there's not much point in trying to write your own code unless you're a true geek. Much better for the amateur to use a ready made web authoring program such as Microsoft's Front Page. Then you just follow the program's built in tutorial until you have something worth publishing on the web.
Frames based pages are fine in these days of almost universal IE Explorer - how many of those funny old text only browsers are there in use today? Frames based sites are usually much easier to navigate. Images were a problem in the days of 14400 dial-up modems but as long as the image size is minimized - respectable jpeg images around 30K will load in seconds on even the slowest dial-up - images aren't a problem as long as you don't put too many on one page.
The tutorial is spot on about pages 'under construction', strange font sizes and annoying backgrounds though. Generally the plainer a page is, the better it is to look at.
One of the main reasons for having a personal website is photo albums for friends and relatives. Try and use a good thumbnail generator - such as
Irfanview for just one good example.
Websites are fun, good luck.