Found a good tool for Flickr user (and other like it). I most cases you need a picture that is online (a Browse... button is offered some time to get the picture off your computer).
fd's Flickr Toys
There are a few ones that I might have a use for:
Create a personalized CD/DVD cover - I could use it on that DVD project I have been meaning to finish.
Framer: Add a customized frame to your digital photographs - There are some nice frames that could be used, I do like the stamp options.
... to name a few.