NICS - Guidelines for accessibility
Use of the label tag:
<label for="name">Name:</label>
<input type="text" id="name" ... >
<input type="radio" id="male" ...>
<label for="male">Male</label>
There is another form of usage for the label tag but the above is the most flexible.
Use of the title attribute:
<input type="text" id="name"
title="full name" ... >