You could always teach yourself the software and create the images yourself. A good site to start at, that is extremely cheap, but not in quality, is www.freeserifsoftware.com
I personally have paid a quoted amount instead of doing the royalty or commission thing. Then you would have to keep track of all your sales of that particular design and be required to continually pay the designer. I just think paying them the one time and it is done is easier and then if it is a real hit you get all the profits and not have to keep paying them. JMHO.This is great information! Thank you.
I have one question - how do you negotiate the price with a graphic designer? Is it best to give an hourly rate, per design or a royalty? I would be grateful for any advice...