Yes, you will need to pay for hosting and, generally, a domain name.Easiest way is using a WYSIWYG editor, iWeb is good at what it does, but obviously only mac-compatible. WYSIWYG would be easier, as HTML is tricky and takes a long time to learn.TPM (I'm guessing) was made by people familiar with using advanced HTML, and lots of graphics etc. made in (I presume), Photoshop and/or Fireworks, both of which are expensive, though free stuff is out there.