The program I use is Irfanview. I needed a program that could handle just about any file format thrown at it and convert into just about any. the effects, cropping,resizing and add text are all editing tools I use alot ,and are super here!
It is free of course. It can be downloaded at IrfanView.com

Wow! just took a try with Picasa2, Google's new addition; another freebie. Really like the light fill option as it recovered some photo that I thought were no good because they were to dark. this system is still pretty confusing for me, but as an addittion,it is a keeper, worth more tinker time. Try Picasa

Neither of these clears focus enough for me guess all have their strong & weak points!?!