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You can do all this for free on Apple computers; there's no need to pay any one anything.
Just use garageband to create a short clip (ten to forty seconds, say), and then export it (under "share" tab) as a ringtone into iTunes.
Next time you synch, change your ringtone settings to include your new entry and it'll show up on your phone.
Try Phonezoo.com You can upload any song you want and select any portion to use as your ringtone, up to 30 seconds.