Styling questions (background image)

1. Background image: what would be the best/easiest way to do that?

2. Text over the image. With divs in editor? Better way?

3. Little image over part of the textblok and background image. How can I do that?
4. Red bar. Easiest way?
5. Little red arrow pointing downwards. How/where can I create that?

3 + 4 + 5; I cannot check that in Firebug because its an image wich a designer made for me. And I trying to integrate that in my website.
Specially for question 3 I would like some help, at least some point in the right direction. Can you do that?

3. Little image over part of the textblok and background image. How can I do that?

4. Red bar. Easiest way?

.your-div-class {
    color: white;
    background: red;
    padding: 20px;
}

5. Little red arrow pointing downwards. How/where can I create that?