There's a wealth of information about this stuff at Hotwire's(Wired Magazine)
Webmonkey in the how-to library. Here is a direct link to
FTPing with CuteFTP, you need CuteFTP or something similar to upload your files to your ISP's server. I've found this to be much more dependable than PhotoPoint. Not that I've ever actually used PhotoPoint, but I've sure seen their logo enough times when their customers files won't load into a page.
And visit your ISP's homepage for info on how to activate your FREE personal web space. You'll be glad you did.
P.S. Hotwire's got the best HTML Cheatsheet!