I made the collages above using Photovisi at:
In the case of the first ten pictures, I combined
photos that had laready been altered with the special effects site Lunapics.
More photos at:
http://s883.photobucket.com/albums/ac35/foxhugh/Photo%20Effects%20Collage/
WereVerse Universe Baby!
This is a great tool, but the best collage maker out there is http://www.mydreamboard.me
So check it out to create an awesome dreamboard or just to simply make a collage.