Josie asked how I put the ribbons on the frame of the Family Ties layout below. So I went to check my favorite tutorial-site, Misty Cato's blog, but she doesn't have a tutorial on how to do that yet. So I'll try to do one myself, after all I was a tech rep at a helpdesk hotline once, so I should be able to explain things, right? muhhaha.
This tutorial is done in PSE4, should be similar in PS or PSCS, not sure about PSP though.
Start by opening the elements you want to use (I used W&W's Celebrating Color frame and ribbons and Creating Beauty rope all by Gina Marie Huff) and then drag and drop them on top of each other, so it looks like this:
Then click on the frame layer in the layer palette (on the right) while holding the ctrl-key, so the frame has the marching ants around it. Proceed by going to Select (in the menu-bar on top), Modify, Expand. Enter 1 to 5 px, depending on how large the object is (I used 4 in this example). This is to give the ribbon a more loosely wrapped around look.
After that click on the select tool in the tool-palette on the left and then right-click anywhere on your canvas. In the pop-up menu choose Select Inverse.
Now go to your layers palette (on the right) and mark all ribbon layers (by holding down your shift key) and right-click on one of them. In the pop-up menu select Merge Layers. You should then only have 3 layers: the canvas, the frame, and the ribbons.
Stay on your ribbons layer and with your eraser tool (in the tool palette on the left) erase the ribbon ends. I used a hard round brush, 500px.
Deselect the selection and stay on the ribbons layer. Now choose your burn tool at the bottom of the tool palette on the left (it looks like a hand holding nothing). Pick a soft round 100px brush (or whatever size works best for you) and run along the edges of the ribbon. These will darken.
Now add a little shadow, by going to your styles and effects palette (on the right) and then under the layer menu choose a low shadow and add it. I will be way to high, so go to Layer in the menu-bar (on the top), then to Layer Style and Style Settings. In the pop-up menu set the Shadow Distance to 1px and hit OK.
Finished. To add a little extra, I cut out the end pieces of the rope I used and added them in a layer under the ribbon layer and also gave it a slight shadow.
Voila, you did it.
For another example of this technique, look at the rope wrapped around the leg of the star in my header.
I hope that answers your question, Josie.