Picnik

Have you been to the website picnik?  It's a fun photo editing site.  You can use it for free or upgrade for a small fee.  I use the free stuff.  I made the collage for the header of the my blog (and my personal blog) on picnik's site.  It's so easy.  You can do all kinds of fun stuff with your pictures, including changing to black and white, sepia, adding stickers, text, etc.  Go on over and give it a whirl.