Frames are useful tools to make your site more or organized. They may also look better in some ways. To make them read bellow:
Bellow tells how to create the first thing in a frame page:
Inside the opening frameset tag you can say:
<frameset border=0 framspacing=0 cols(or rows)="50%, *">
Inside the frameset tags place this bellow:
<frame name="top" src="toc.html">
You may put more of these but too many frames make it look bad or unprofessional.
In editors such as Front Page it can automaticly create the code for you, and since frames are difficult to make I would advise, if you have Front Page or other editors, to use it.