Few qeustions...

I got a few questions.

[1] How do you do the affect(The picture pieces)


[2]How do you get it to fade (all the text, fade in and out) with out going over 40k?






How do I get the effects of these banners:



And one more:

Any one know a good place to get good Templates and Borders =)

Thank you so much to the people who help me. And Sorry for so many questions.