I show a trick of 720 themes on April 1st.
It is hard for non-designers to make a color scheme on creating a theme for him/herself.
However, you can try pic2color.
http://www.pic2color.com/index.htm
You will get 8 colors matching each other just specifying URI of a good photo.
Put the base photo as background in the header.
And, specify colors like this.
($color[0] means the left color, $color[7] means the right color)
body_bg => #ffffff // fixed
body_letter => #333333 // fixed
outside of frame => $color[4]
header_bg => $color[7]
header_letter => $color[1]
link => $color[0]
impact_bg => $color[2] // <th> etc.
impact_letter => #ffffff // fixed
title_bg => $color[3] // block title etc.
title_letter => #ffffff // fixed
head => $color[5]
even => $color[6]
odd => $color[7]
border => $color[0]