header files

what is the difference between #include<iostream> and include"iostream" or include<iostream.h> do these symobls <> do different things than these "" and is .h neccisary? thx :)
As far as I can tell..you always want to use

 
#include <iostream> 


Based off what I can tell..the
#include "whatever.h" is a way of loading up header files that you make with your own functions..and some other situations..like window.h or something.
Most standard ones are like the first example. Some special ones are like the 3rd example.
thx
the header files are used as such:

#include <iostream> - standard library files.
#include<*********> - used as a facility for gathering source program fragments together into a single file for compilation.

source -- The C++ Programming Language
Bjarne Stroustrup
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