For most of my stuff, I use what was called Jasc Paint Shop Photo album which is now called Corel Paint Shop Pro Photo X2 they probably have a new version out, I have keep the original photo handling program that came with the Agfa E-307 digital camera's. It was easy to use at the start. And has gone thru a number of ownership changes. I still use the older version more than the new one. To lazy to learn all the bells and whistles.
Here is their web site they have a free trial download, I see they have another version out.
They also have a express version PaintShop Photo Express 2010 along with the rest of Corel drawing etc software. I had used it for sign work in the past.
Depending on what you want to do, the light version may work. Try the free trial version as the file info will be the stand types, that if you don't get the software you will be able to still use the photo's
Here is there watermark, and old style look on a photo
You can make it as light or dark as you want.
