WHat program can i use to make skins?

[StelathNinja]

What program can I download to make my own skins?? And where can I get them? I cannt seem to find anything that werks with .tga files that are available from this site. Any other hints at how i can make my own skins?? I got a few GREAT ideas to make skinz out of..

thanks in advance to every one that helps me.