Thanks for the comments, the images was quite easy, i think you could do it in almost any graphics package, however the one i mostly use is Macromedia Fireworks.
It's as simple as creating a white box, adding a drop shadow to it and then flattening it. Just ensure that once you flatten it you are happy with the way it looks. Once you have done that, you take your rubber and then just rub out a box inside your white box with the shadow. Place your image that you want behind your whit box and then position it however you want to.
Remember to leave enough space at the bottom of your image when you are cutting out your box to be able to put text on it. and then once you have placed your image, put your text on it, try using monotype corovia or some script font,. and then walla, you're done. If you have fireworks, I can send you the .png file if you want.