Thank you to Erin, who mentioned a photo editing program online called Picasa! It is very user friendly and so fun to use! I have been enjoying my down time of playing "photographer!" ;)
You can make collages, convert photos to sephia tone, create a soft focus effect, black/white focal, and add text to pictures!! And much more!!! Those are my favortie effects so far... but I still have a lot to learn!!!!