For your information:
The crop tool in ACDSee Pro 2.5 automatically provides grids for thirds:

tiers.jpg (128.05 KiB) Viewed 931 times

The grid is hardly visible in this view, to see the hardcopy of the screen full view:
http://www.prestophoto.com/photos/image/1028238/21411

Well, whadda ya know...ACDSee 10 Photo Manager has it too! Ya learn sumpthin new evry day.

Thanks to all. I actually am cropping first and then trying to move the picture. I will try moving the picture then cropping. I'll also check out the tutorials posted above. Ughh...I tend to be a perfectionist so I try to be exact when I adjust to the rule of thirds. Maybe once I do this long enough I will be able to just eyeball it.

Thanks again
Jacque