You will want some images.
These are loaded onto your HMTL document using the <IMG> ... </IMG> tags.
Clip art and line drawings are best saved as "GIF" files. Other pictures and images are best stored in the "JPEG" format. For clipart I selected a suitable item using Microsoft Word97, copying the chosen clip via the clipboard (using ctrl-C and ctrl-V) to Microsoft "Paint". I then saved this as a bitmap image so that The image can be re-sized using Adobe Photoshop LE. Finally the correctly sized bitmap is saved as a "GIF" image in "Paint" so that a white transparent background can, at last, be selected.
Processing the pictures is a lot easier, I just use Adobe Photoshop LE to re-size the image to an appropriate size, say 400 pixels wide for an image and 150 pixels wide for a thumbnail, and then save at low quality for thumbnails, and medium quality for other pictures.
I have created two sub-folders in my web-site folder, "gif" for clip-art GIF-files, and "jpg" for other images. It is helpful to have the HTML and images in separate folders because it's best to set the FTP protocol to "ASCII" for HTML files and to "BIN" for images when up-loading your files using FTP. (See "Uploading your website")
Of course you'll find a digital camera and scanner almost essential to get the pictures and graphics clips that you want. I use A Ricoh RDC-5300 digital camera that I bought a couple of years ago. It has a 3-1 zoom and 2.3 megapixel resolution. Pictures are saved on to a 64MByte SmartMedia card in JPEG format and are easily transfered to my PC using a USB cable.
I also have a UMAX Astra 1220U USB flatbed scanner that is almost as useful as my printer (a trusty Hewlett Packard DeskJet 720C).