I realize there are probably 100's of photo organizing programs and web sites, I thought I would share some of the FREE sites that I use...
Simple Photo Editing and Collage Making
Enhancing Special Photos
Picnik is a fun, free site I use to (quickly) add enhancements to some of my photographs. It is VERY user friendly and good for someone who does not own Photoshop. Photoshop is much more advanced, but Picnik is much quicker to learn and it's free. There is a "Premium" membership available through Picnik, which costs about $25 a year. You can see exactly what comes in the "Premium" membership when you browse their website.
Project 365 On-Line Storage and Organization
If you are participating in Project 365, or Project Life, (where you take a photo every day of the year), a good site that many people use to organize their photos is Shuttercal. I personally have not used this site, but I have heard great things about it. There is also a place for keeping notes about each photo you download, and all of your photos are organized on a "calendar" for easy reference.