you can make badges & banners with any photo editor that saves as .TGA photoshop, saintpaint ect. the easyest way is to get a picture and copy it to the program then shrink it to size (cant remember the pix size) then save as .TGA & put it in your badges/banners folders.
is there a way to make them with something like paint because i dont think my computer has anything like paintshop pro
picture it 9 works, thats about the best ya can do paint wont unless theres some sort of plugin for it, but i dont think there is.
Or use Gimp (Free), a decent alternative to photoshop. Just google for Gimp.
how do i save it as a .jpg file?
Click file, save as, select .jpeg as the file type. jpegs won't work for DoW though, you need to use .tga format.