There’s a ton of design blogs out there that offer up goodies. Free photoshop layer effects, brush sets, tutorials, etc.
I felt I should contribute to the design community with this:
I cut out this picture of a dude streaking a soccer game. Turns out, he’s handy for all kinds of photoshop fun. I can’t in good conscience keep him all to myself.
So there ya go -Nekkid man on transparent background.