[MikeF0421]

I would stay away from templates in most cases. A lot of the "free" templates you find out there or even some you might pay for are embedded with malicious code and links to all sorts of places. Many even have links buried in the code to porn sites and the like. So if you are designing a website for a client, they could get a little upset if you give them something linking to a porn site if they were to ever find out.

What you could do is design a numerous amount of your own templates as a starting point for when you are putting together a website for someone. That can save you time rather than starting from the ground up every time.

You can hire someone to do just about anything you want. Headers, graphics, coding, search engine optimization. My company does a mix of doing stuff in house and outsourcing. It's a time versus profit thing.

For example, something like designing a good header with graphics included could take a few hours. It could also take a 30 minutes if it is something relatively simple. For something more complex, I'd rather pay someone else $40 to do it, than spend 2 hours of our time for something that really just isn't that important. I can spend that 2 hours writing 3-4 articles and a press release for the site instead.