Free Web Tools Links:

Banner Creators:
Live Banner Creator
Simple Banner Generator

Browsing Software (Plugins, etc. that helps you view online content):
Adobe Acrobat Reader
Adobe Flash Player
Microsoft PowerPoint Viewer

Online Image Editors:
My Theme.com Animator (Blend images, picture filters, etc.)
Picture Resizer
Pixenate (Round Corners and more)

Image Bullets
Bells n' Whistles (Bullets)
Free Graphic Design (Bullets)
Free Graphics World (Bullets)

Software Tools (Free):
CD to MP3 Converter (Take songs from CD, convert, then post online in popular format)
Web Album Maker (create web slideshows and galleries)

Text Generators:
Cool Text Generator
Textspace
3D Text Maker