Thanks for all the comments! Here's the program I use:
http://www.novadevelopment.com/Produ...w/default.aspx
Then I search the net for some basic graphic images which I gain permission to use (or need no permission) and play away.
Very simple to use!!!! I think a lot simpler than PSP (doesn't do animations and some things you can do in PSP) but great if you are mainly doing photograph and basic graphic projects. Comes with all kinds of templates (Cards, frames, invitations, special occassions and more). I sound like a commercial...but for the asking price of $29.95 I think it's great! Here's a couple of other things I did with it attached at the bottom of this message. These are all using my yorkies (the last one is using a friend's yorkie named Sammi).
Hugs,