http://www.FotoTrix.com let's you upload photos and then add special
effects to them. There's a image framer, border maker, 3D texter and a
layered effect adder. More tools in the works!

No image to upload? Then try http://www.ImageGenerator.org for premade
templates that you need to change the text on to personalize.


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Web 2.0 Tools
http://www.web20links.net