Have you guys seen the Holiday Card Templates that Becky Higgins is offering over on her website? She had a design contest last month, and I got up the nerve to send in a submission. I'm kind of bummed that my design didn't get chosen, but I still wanted to offer it in case someone else would like to use it. I made a .png file in 3 different sizes.
To use it, just drop your picture behind the .png file. Here's an example using a family picture from last year:
I'm offering this free for personal use, so if you'd like to use it, just click to download whichever size works best for you.