Here’s a guide to using the templates, and making your own cover in MS Word from scratch. (If you want to get the files to follow along with that guide, they are here.)
Short answers for everything you're trying to do, including swapping pictures, adding gradients and text effects, spacing fonts, working with layers, adding shadows and color washes, and saving your cover.
80 Fiction Cover Templates (Round One)
This package is really large and will take time to download; it includes 80 Fiction templates and a font list. You'll need to learn the ropes before you feel comfortable using Word in this way - changing the text should be easy, but you'll probably need the cheat sheet often to figure everything else out. If you can't download the zip file, you can also try downloading individual files from This Dropbox Folder.
70 Non-Fiction Cover Templates (Round One)
This package is really large and will take time to download; it includes 70 Non-Fiction templatesand a font list. Non-fiction covers should be much easier to finish, since there will probably just be one or two main images. If you can't download the full zip file, you can try downloading individual files from This Dropbox Folder.
An Epic List of Appropriate Fonts per Genre
Choosing the right fonts for your book cover is important; you'll probably use the same fonts for your interior formatting as well. Here's a huge list of fonts I like divided by genre.
I made a few "sell-sheets" that may help with book marketing; for a long post about how to use them, and other alternatives, you can read this article I posted on my blog: How-to-make-a-sell-sheet-for-your-book-with-free-templates
Full Print Covers (Createspace, etc.)
Making full print covers for Createspace is a little tricky, but this guide and sample templates will help. You can make a full print cover that looks pretty good, but you need to get familiar with the features in MS Word, and use quality fonts and images.
Highlight and Share WordPress Plugin
Last year I made a WordPress plugin that encourages readers to share your best writing on Facebook and Twitter; unfortunately I don't think it's still working with Facebook, but it's still pretty cool. If you want to try it out, download the zip file, then upload the zip file straight into your WordPress admin to install.
Business cards, posters, ads...
This package is light on layers, heavy on templates - it's got everything you need but assumes you're starting from a finished cover file, so you're just importing layers. There are also instructions for ordering postcards and business cards (and how to use them). There's also images for ads, and Facebook and Twitter profiles/Timelines.
Gradients and color washes
Useful layers that you can drag and drop into your cover template for more "wow."
Seals and award stickers
A package of seals, stickers, call-out circles and shiny gold award labels.
Update: I just added a PDF to JPG converter to save you some time finishing your covers, I haven't updated the guides yet but you can use it here: PDF-to-JPG Converter.
Also: The 'fonts-list' file in the first version of the non-fiction folder was faulty... if you can't open it and need the non-fiction font-list, click here to download it.