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I want to design a Christmas Card but how do I go about doing it? - christmas card printers

I want to create my own my Christmas card for 2010, but have no idea where to start. Are there websites that allowed me to use an image to go my tickets? Do I charge? If you find an image that I take on a disc on the printer, or is it something that can be sent electronically? I'm so lost when it comes to that. Please help me understand! Thank you!