Oh happy days! I came across another great website (Jen Shannon)! Jen has some great Photoshop tutorials that are worth watching. I'm a total eyes and hands learner -- so I love video tutorials!
I used one of her tutorials to make the watermark frame around the food picture below. If you've got a few minutes, click on her link (click on the title "Another Great Website) and you will be whisked away to her wonderful website! Or -- if you want to get right to watching the watermark video -- here it is.
PS -- thanks Jen