the best way to learn is to play on the site at live chess an suit for yourself..helping tools will make you dependent on making decision and you will not learn to play chess...also a lot of materials are free on the internet about openings and so on..
Does anybody know a program with annotated games for intermediate players?
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For annotated games, I find books are plentiful. I don't know of programs, except for the ChessBase DVDs. There are many great annotated games collections:
http://www.amazon.com/Essential-Chess-Lessons-Steve-Giddins/dp/1904600417/ref=sr_1_4?s=books&ie=UTF8&qid=1285513024&sr=1-4
http://www.amazon.com/50-Ways-Win-at-Chess/dp/1904600859/ref=sr_1_5?s=books&ie=UTF8&qid=1285513024&sr=1-5
Don't let the titles fool you, these are well annotated game collections with an aim to instruct. And let's not forget the classic gem:
http://www.amazon.com/Logical-Chess-Every-Explained-Algebraic/dp/0713484640/ref=sr_1_1?s=books&ie=UTF8&qid=1285513096&sr=1-1
Check out Chessmaster
Yeah, both Chessmaster and Fritz have "annotate/analyze game" functionality. My advice is to play a game against computer profile fit to your playing strength (some profiles are already defined in these programs) and then run the annotate/analyze function to see what you missed.
was looking for a program with annotated games for a rating of about 1500-1650. I know Chessbase, Chess Informant, and a bunch of other programs out there have annotated games, but those are way too hard for me.