Honestly - I really suck at using photoshop. I just got in on my computer a few months ago and barely ever use it. But it's going to be one of my goals to learn how to use it.
But - if you are good with it - or at least very clever - you should think of entering Puck Daddy's Create-a-Card contest.
So far they've shown off two Hawks cards - but hopefully they'll be more later. Check out the three galleries they've released so far though - there's some funny stuff in there.