(these are already cut out)
Player pics are there. Also if you will go to the Contests and Showing off Forum here in the cafe, there is a sticky at the top of the page for a site with player pics.
Also for the fonts thing, just lower the opacity of the layer with the text in it or play aroud with the blending styles. (overlay, lighten, etc.)
I like to make white text layers, change them to overlay and then duplicate the layer a couple of times. Makes a nice effect.