I've been designing websites for a good 11 years now. In that time, I have used frames maybe once; and not even out of necessity.
The problems with frames is a cross-compatibility issue. Different browers like render frames different ways. Since we all don't use Internet Explorer, it's pretty pointless to design a site with frames for every brower.
My advice to you, is to design the site with tables. Your site will be more compatible with different browers and more efficient (IMO).
frames = :exnbp: