YoVille will NEVER ask for your password, so please be wary of malicious emails and/or forum posts that request your password, including via web links.
You have to download A photoshop app on your laptop. One of them is Inkscape(free) but theres another better one Adobe photoshop Cs6 (But you have to may). So once you're done designing you can save your designs and join the design competitions here in the forums:D