I use Netscape 7.1 Browser  which comes with page composer, and other things,
It is just a matter of deciding what format and colours to use, Composer is good for beginners.

I now use Dreamweaver 4 to rough out pages, .......
then alter them to suit my needs using Editpad (link at bottom of page).

I also use Internet Explorer 6 for normal surfing.

I use WS_FTP Pro  program which will upload and download my files,
I personally think it is better to use a dedicated FTP program

The Buttons, Background's and Lake applets were made by me using 
Paint Shop Pro 7 and Photographs from my Nephews.

Visit The Javaboutique for a selection of applets you can put in your pages with ease.

The Midi files came from various sources all of which are on my  Links Page

I use Editpad for editing the pages, I think it is better that Note Pad
because you can open multiple pages.