What I used:
1) Deviantart for psds
2) Photoshop to make the cover (I used the free version which can be found in YouTube tutorials on how to download the free version)
3, Topaz Labs

Step 1: Grab a background like so

Step 2: Place your models in the correct position then add shadows and lighting

Step 3: Add your necessary text

Step 4: Add some psds or colourings

Step 5: Add Topaz, lighting and your logo then you are done