HTML is not the way to do it. I use PHP includes. Name all your files to *.php. For this, what you may want to do is something like this:
<html><head>
<title>Title For Page Here</title>
<meta content="keywords" content="<?php include 'metacontent.php'; ?>" />
<meta content="description" content="<?php include 'metadescription.php'; ?>" />
</head>
<body>
<?php include 'header.php'; ?><!--This file will be whatever you want for the top-->
THEN YOUR GENERAL CONTENT GOES HERE
<?php include 'footer.php'; ?><--What ever is below your body content-->
</body></html>
You can also do the index.php?page=whatevr method, but that has security holes. This way, you can make your pages search engine friendly without worrying about the mod_rewrite. Includes mean including external files. So, for example, open up metadescription.php and write your description. ie: This is my website about cars. Remember that quotes aren't needed. The PHP just takes the file and puts it in as if it were always there.
<?php include 'includefilehere.php'; ?>
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