When you get a chance hop on over to see Rita at Coffeeshop Photography for some awesome giveaways, free tutorials and PSE actions for your photos. I have been having a blast playing around with my pictures doing layers, textures, overlays, text, masks and a whole lot more. I finally feel like I am getting a grasp on this program and feel comfortable using it.
If you do take advantage of Rita's generous information and are able to use what she is offering, there is a place where you can make a donation through Paypal.
Here's another example of one of my pictures I've layered and textured:
Have fun!