Alright, here are some useful things I use to make work arts...
First off, the programs: Photoshop, Illustrator or anything that let you move stuff. I strongly recommend Photoshop, any version, because it was designed for this. I currently use Photoshop CS3...
Second, to make signatures or other artwork, you need renders. Renders are simply "pictures" on which we cut the borders to place them on a new background. (for example the soldier in the current banner). I have over 3,000 renders, and I really really don't mind sharing

Ask me on Xfire and I can send you the .zip files

Third, a creativity... This is not given to everybody lol. You must have a little sense of art, and bam, everything will seem so better!
Fourth... techniques! Yes, even me, I don't make things my own, since i'm not a photoshop pro, far from that. If you want, you can also ask me on Xfire for tutorials, I have them in a .zip file! Or just look on the net, there are some all over the net. For example, if you want to know how to type your name in neon on photoshop, just type "Neon name photoshop tutorial" on google and voila!
Hope that help, if you need anymore help, drop me a tell!