I was reading through this month's Creating Keepsakes magazine and saw this cool site in there (you need to scroll down to find the link to the color generator). It allows you to upload a picture and from that it will give you a color pallette that will work with it.
I tried it out and thought it was really cool. It gives three different "options" of five colors that go well together and go well with the picture too. I think that I'm going to need to try this site out for my next layout.