This a simple effect to give that boring picture of yours a little framing and personal touch.
I am not going to give a tutorial on this – its really too easy. Here you can snatch the psd and easily customize it. If you like the photographs you can use them too – no user restrictions at all – Considering I took the pictures they are Free. This is definitely a beginners psd – but lets not forget that everyone was once a beginner. Get the PSD here