I love to use layout templates whenever I begin a new layout. They give me a starting place, even if I end up changing everything around. Occasionally, I make my own templates from layouts I've created from scratch (on those days when my creative juices are over-flowing). Click here or on the picture to download the template for any Photoshop version. Misty Cato has a great tutorial on using templates on her blog here. Actually, Misty has many great tutorials so check them out and have fun!