For the first template : suggestion :
put the image and the picture on a table which will separate both :
CODE
<table width="100%">
<tr>
<td valign="top">
<img src="images/yourimage.jpg">
</td>
<td valign="top">
Your text over here
</td>
</tr>
</table>
Or insert
CODE
which is a "space"
______
For the second template i suggest you to past the code, founding a coding error from a picture is kind of difficult, we can not know if you used tables, divs, or anything else to code the site.