Of course, money spent on a designer will buy you peace of mind because you can leave the designer to it, but you'll have to wait for a space in their (possibly busy) schedule to get the job done. A template, on the other hand, is ready when you are. All you need to do is add your words and images, and customise the site to suit your business's identity. In fact, a template excels here because you can fuse your expert knowledge of your business with the template's professional design.
Composite photos _ These are photos with text or other graphics superimposed on the photo. I do this a lot with the quotations I post on social media and put into my newsletters. Import a photo into PowerPoint and expand it as large as you can on a slide. "Insert Shapes" and insert a text box onto the slide over the photo. Type the text you want to superimpose onto the photo and set the text color so that it contrasts nicely with the photo as background. Group the components and you have a composite photo.