I think that the images could be stepped up a bit by adding some outlining or bordering to the letters (same hues, different values) and maybe adding some small degree of "inner glow" or "inner shadow" as they call it in Photoshop (not that familiar with your PSP, sorry), which gives the lettering a slight illusion of dimension, then a consistent drop shadow to everything to help things stand off the background a bit. Don't overdo it and make sure that the "drop shadow" is consistently done on each item you want to raise or at least make the shadows progress evenly from either top down or bottom up if you want to have the images seem to approach the reader from below or above. Angling the lettering (as in using a vanishing point) also helps the illusion of falling or uplifting letters.
It wouldn't hurt to have the background show a slight gradation or vignetting from one direction to another or from the center to the outside, for instance.
I think all Schleed is saying is that they look unfinished, mostly.
As far as the content, I think it's workable, but be careful of using more than one or two font styles in the same image and make sure that a color change in lettering is for a specific reason and that it actually works when a print is viewed in daylight, rather than just onscreen.
The trick is make a logo memorable, but instantly identifiable. That's not easy. To make it look "finished" has mostly to do with familiarity of the software you are using.
Remember all those great commercials you've seen that made you laugh, but you have no idea what product they were advertising? Those ads, while they were ingeniously conceived, did not work well as ads.
Don't be discouraged, Kevv. Just play with all the toys your program offers until you are satisfied.
