I want to make a layout with a picture.....all I really need is a top frame a middle,two sides and maybe a bottom. here is the link....I hope you can see what I mean.
http://www.geocities.com/goku_tuff/layout.JPG
but I don't know how I can start.....like....make the frames....make the background work and make it to so the
frames don't show.....I looked all over for sites....but I am dumbfounded. hmmm. if anyonw can help me.....please:)

For the frame code try this site: http://framecodes.tripod.com/code.html

For the 'frames don't show', I assume you mean the borders....http://www.lissaexplains.com/frames.shtml#border

To piece it together you probably want to use pixel number (http://www.lissaexplains.com/frames.shtml#width) instead of % numbers, although, you can use both.

Frame Layout Tutorial - http://magitek.nu/design/tutorials_framedlayout.shtml