And if you get lost with the CSS side of things then try this code to make a frame.
<frame noresize="noresize" src="navigation page here.html">
<frame noresize="noresize" src="info page here.html" name="showframe">
Its very basic adjust the cols to suit your page and use this as a index.
The nav bar will open in frame 1 and the info in frame 2
<a href="body.htm" target="showframe">
<center><img border="0" src="pics/b-home2.jpg" width="95%"></a></center>
This is a example of the code you would use to make the links in the nav bar, this is actually a picture button but replace that code with your text format tags and you have what you need. Notive that in the frame code above the 2nd frame is named "showframe" and notice in the link code there is a target=showframe, that decides where the page will open (you don't need this in the nav part as your nav usually doesn't change)
PS - the no resize removes the horizontal scroll bars, I hate them so thats just my preference.