I would like to insert a descriptive text inside an input element that disappers when the user click on it.
I know it is a very common trick, but I do not know how to do
In my opinion, the best solution involves neither images nor using the input's default value. Rather, it looks something like David Dorward's solution.
It's easy to implement and degrades nicely for screen readers and users with no javascript.
Take a look at the two examples here: http://attardi.org/labels/
I usually use the second method (labels2) on my forms.