Here's how to apply a frame to a photo:
Using Frames in PhotoShop Elements from Roben-Marie Smith on Vimeo.
Here's how to apply a photo mask:
Photo Mask Tutorial in PhotoShop CS3 from Roben-Marie Smith on Vimeo.
Roben-Marie has put the freebie mask and frame links right underneath the videos on her tutorial page.
As you all know, I do a fair amount of digital stuff (the blog backgrounds etc) but with Photoshop, there's always another way of doing things: tips, tricks etc - so I'm putting these tutorials right here so I don't lose them. For a starter (being self-taught) I never knew about that 'hold down the shift key' tip!