FYI, if you're using a Mac, Lumapix won't run on it...unless you're using Bootcamp or whatnot to run Windows simultaneously.
I bought InDesign (part of the CS2 suite) and Kevin Swan's
Building Albums with InDesign Tutorial. It offers a lot more flexibility than an outside album company, you can create your own drag-and-drop templates, etc. Of course, the downside is that you have to create your own stuff instead of having someone else do it, but personally I think it's a better investment for your business. Oh, and you also can download InDesign for a
free thirty day trial if you're interested.
I think they key to starting out in album design is to find three or four photographers whose album styles you really love. Begin by just trying to replicate some pages they have so that you get a feel for the flow of the program, and then take it to the next level by putting your own personal spin on it. Good luck!