beginner programs:
i bet you didn't know Microsoft Word and PowerPoint can save documents in website form!
FrontPage is simple and easy to use
Software by CoffeeCup
As you get better, look into getting something like Adobe GoLive and
DreamWeaver
once you have your html document and images that make up the site (and later, css, java script, and other files), the following websites will let you upload your site as part of theirs. this simply means sending your files to their computer.
tripod is good: http://tripid.com
http://geocities.com
http://angelfire.com
http://groups.msn.com
http://awardspace.com
http://atspace.com
http://stormloader.com
those are the basic sites, but for more info (other sites that should answer all these questions), check out http://del.icio.us/jeristern/webdesign
http://del.icio.us/jeristern/html
http://del.icio.us/jeristern/javascript
http://del.icio.us/jeristern/css
also try good searches like:
html
design
"web design"
css
and other combonations of what you're looking for
visit your local library and ask for books on web design and web design programs.