I resize with WINDOW LIVE PHOTO GALLERY all you have to do is place your photo in edit, right click on the photo, click resize and there will be a list of sizes you can use or make a custom size. You can also crop it there. Once you have the photo re-sized then click make a copy and rename the photo, that way you have the photo your resized and the original. Hope I explained this right.
This is the free, online site I use for re-sizing images: resizepic.com (no www in the URL, just http://). If you need to crop the image first, I recommend this one: www.picresize.com. Let me know if these work out for you.
What sort of ratio issues are you having? If the image's original size isn't the 8:5 ratio you're trying to go for with, then resizing it in any way (photoshop or otherwise) to those specifications is going to mess with the aspect ratio.