I have signed up and made an account on photoshop.com. To use this program am I paying a monthly rate, or is it free? In other words, would I just be paying if i specifically bought Photoshop CS5 or ect.?
Photoshop.com is where you can read about Photoshop CS, and also do some light online photo editing. The site itself costs nothing, but you can also purchase upgrades that will unlock additional storage online, or premium web photo gallery templates.
Photoshop, by contrast, is a desktop application that runs as a 'normal' program on your Mac or Windows computer, and is entirely unrelated to the Photoshop.com web site, aside from that fact that we might talk about Photoshop CS on the site.