I create the calendar grids in Word and personalize them with birthdays and other dates that are meaningful to the recipients, as well as federal and religious holidays (Christian/Jewish/Islamic), daylight savings time reminders and all that stuff. I sneak in some silly holidays too - Talk Like a Pirate Day (Sept 19), Cheese Weasel Day (Apr 3). Then I screencap the grids to use as jpgs in Photoshop layouts.
This year's theme is Good Luck, with lucky symbols, charms and talismans: cranes, pigs (Chinese Year of the Pig), four-leaf clovers and so on. Fortunately almost everything is considered lucky in one culture or another so there's a lot to work with.
July is lucky sevens and all the related gambling symbols. August is Make A Wish, with a birthday cake, shooting stars, wishbones and blowing on dandelions.

I swipe images off the web but I print out only a few copies and of course none are sold. I put the printouts in 3-ring binder sleeves hooked together with little keyrings from the hardware store.
This year I also made a very fun calendar for some little boys with display pics of all the big trucks and construction equipment they love, plus cartoony calendar grids with pictures for all the special days - including their birthdays, which I expect will delight them.
