The most important graphical element of any website is its header image. It's the image that will be seen more than any other on your web site, so it's important to get it looking good.
This tutorial gives an example of how to use Adobe Photoshop to make a graphical header image for your web page, that has some button functionality too.
Many of the visitors to this site, and many of the people I've dealt with, are small businesspeople, who can't afford to have custom website design done by a professional web design firm.
Their only option is the "design your own website" option. A large number of these people haven't designed a website before, and only want to do one web design project - their own site.
The idea in their head seems like the best web design concept ever, but when it finally gets onto the screen, it doesn't come out as planned, and ends up looking very amateurish.
Here's how to go about making an automated photo web gallery in photoshop. It's not the *prettiest* thing, but it's awesome for creating the template files (the pages, resize images, thumbnails, links, etc.) Basically, it does all of the grunt work for you so all that's left is the fun part!