http://www.akqa.com/
Clients cocacola, microsoft, nike
England

http://www.bigspaceship.com/
Clients nike, coca cola, HBO
USA

http://www.group94.com/
Clients nokia, ea games, redbull
Belgium

http://www.firstbornmultimedia.com/
Clients microsoft, hp, apple
USA

http://www.2advanced.com/
Clients motorola, o'neill
USA

http://www.northkingdom.com/
Clients toyota, shocwave
Sweeden

http://blitzagency.com
clients, adobe, lincoln, hilton hotels
USA

Photoshop, for instance. It is not enough to know how to run a graphic through a series of filters, or to be able to switch heads from one person to another's, or to put someone in a different scene of to change someone's eye color. Photoshop is an extremely powerful tool with tremendous capabilities in graphics. To use Photoshop only for those purposes I described is kind of like spending several hundred thousand dollars on a high performanc sports car just to burn doughnuts in a parking lot. Lots of smoke and noise, but not particularly difficult and only impressive to someone who doesn't know any better.

You need to learn how to use the tool to it's full potential if you expect to impress clients or a potential employer.

And that's just Photoshop. The same thing applies to the other tools of the trade like Illustrator, InDesign, QuarkXPress, Flash, Dreamweaver (or other web design app) Acrobat Professional, Word, and many, many others, depending on the directions you want to go and the specific uses.

Many of these tools have some common functions. But the REASON that there are so many of them and why it is worth the money that graphics artists spend on them is that EACH of these have very specific uses. You CAN drive a nail with the fat end of a combination wrench, but why would you when you have a hammer available? And why would you use a twenty pound maul to drive a cabinet finishing nail? You use the RIGHT tool for the job.

Take some design classes. Most community colleges will offer these at VERY low cost. If you don't want to invest the time, yet, on even junior college, you can often find classes in some of these apps at local adult education classes.

Or, go the slow, painful route of teaching yourself out of a good tutorial book. (I recommend the Classroom in a Book series published by Adobe. But you have to apply yourself dilligently if you expect to compete with the thousands of college grads with degreess in the arts, all of whom would LOVE to beat you to a job or a client.

Draw pretty good? That's nice, but there were some cave men in France, about thirty or forty thousand years ago that could draw pretty good. But the tools of today require the tools of today.

Start with the relatively inexpensive Photoshop Elements. It retails for less than $100 and does most of the things I expect you want to do. I believe it may also help layout web pages, but I'm not sure if it is only possible with the "slice" tool of the full version Photoshop. Check it out.

I also gave "factdesign" a thumbs up for some very good info on how to start with some basic web design.

You're going to need a business policy or package policy for your general liability and contents, plus office exposure, then the professional liability, and workers comp for any employees.

You need to sit down with a local, INDEPENDENT agent, to get a variety of quotes. You'll need to update your agent, as your operations change, to be sure you're still covered.

State Farm, Allstate, Nationwide, none of these companies are going to write you if you don't have three years of prior insurance history – that's why I say an INDEPENDENT agent, instead of one of these agents.

If you're looking for something free, try Nvu, although I don't know how well it handles video content.
http://www.nvu.com/index.php

Dreamweaver is professional package but not that easy to use. A good choice but expect to spend some time learning it.
http://www.adobe.com/products/dreamweaver/

or look up on google for graphics designing schools and find one for you, were you live and thats close or take up an online course

These sites have people advertising for web design jobs.