Jac - I like the collage idea too. Matt loves my calendar that I did for him last year and I loved doing it, but it took a looooong time, since i scrapped the whole thing and put alot of effort into it. You should do that for him next year, but give yourself a month or so.
You can order collages online too, from like kodakgallery. Then it is 12 photos (or whatever) on one print and you don't need the special frame. Although if Joe wants a collage frame, I think that would work and fill it with pictures of you guys, and Sheeba and his family and your family. I think it's a great idea.