I think one of the best photo organizing and editing programs for those who don't need something more sophisticated is Picasa. Best of all, it's free and very easy to use.
I've done a short review of it here:
http://www.digicamhelp.com/processing-photos/basic-editing/picasa.phpIt can be downloaded as part of Google Pack, which also offers a number of other free programs. I use many of them.