Wow, I kicked up a bit of a fuss just by criticizing that crappy on-line tutorial!
Yes, frames are old time stuff, but for a beginner who wants to do just what AerBabe says she wants to do, its much easier to set up the navigation that way. She can move on once she's got a grasp of the basics.
Same with HTML - yes its easier to make changes if you can work directly in HTML but thats an awful lot of mugging up for someone who is just starting. Let her get something posted up on-line first.
My own first efforts were done using Netscape Composer and looking back at them they're crap, but I was happy enough with them for a first attempt. My next efforts were done using FrontPage and load as an all white page with a header and a simple navigation sidebar. Sub-pages come with some small images and dark blue writing in a nice clear modern looking font - Arial. The whole thing is actually a frames page with no margins and each page being small enough not to generate a scroll bar. You'd never guess it's frames just by looking at it, but doing it that way made it easier to set up the navigation.
Now I've got a grip, I can make nice clean, simple pages with minimal loading times. But I must say that simple is better. Always.
( Why'd you want to submit a mere personal page to a Search Engine manoffewwords? Enjoy getting lots of Spam do you? I suggest leaving the search engines alone until your efforts begin to blossom... )