Here are some good graphic resource sites that can probably help you with the designing process.

http://www.colourlovers.com/
I love this site. They have color palette for you to work with. There are some nice patterns for website background too.

http://www.picnik.com/
On a crappy laptop/netbook that can't afford to run Photoshop. Go to this site. Their flash applications allow you to do basic editing to your photo. They also have some nifty filter that I love (this retro looking thing that make your photo looks vintage and the snow/rain filter).