Project Cool at www.projectcool.com
Webmoneky at www.webmonky.com
Print it out and keep it near you!
WebMonkey's HTML Cheat sheetFree HTMLPad
Cheap HomeSite
Pricey, but amazing Dreamweaver
Photoshop the cadilliac of image creation and manipulation programs. Kill, murder, maim, beg, borow, steal, but get this puppy.
Paintshop Pro If you can't bring yourself to do the above to get photoshop, try this fine litle program. It doesn't have the range of photoshop, but if you mostly want to resize image, and do a little altering of them, it is fine.
Fireworks, ImageReady Weboriented versions of photoshop, with more functionality than paintshop pro, an amzingly reasonable pricetag, and great optimazion features. These two kids are probably the way to go if you think you will be creating only for the web and not for print. Fireworks is considered the slightly better program for webneeds, but if you are familiar with photoshop's interface, fireworks has a lower learnign curve.
Dicer For chopping up large images for better load experience, and for creating mouseover effects. http://www.ziplink.net/~shoestring/dicer01.htm or you can download it here, it's Freeware http://www.winsite.com/info/pc/win3/winsock/dicer039.zip/downl.html
webclut
The webclut allows you to choose colors in the 216 browser palette to use for bgcolor, link, text colors
http://www.lynda.com/hex.html
Figuring out mac users have on their system (useful for writing complex font tags that work cross browser)