"Or if I use CSS in the head tags to place the background image it will load faster???" -> you mean <style type="text/css"></style>, right? I don't know, let's ask the people here. As far as I see it, no one has yet said if the page will load faster as opposed to an external CSS file. I would say that the internal style (head) is faster because it doesn't have to go search for an external file. I might be wrong though.