1.Open a new document
2.Use the Polygon lasso tool and select the area you wish to make your border.

3.Fill your selection with the paint bucket (Do not use a bright color, I will be using a grayish blue) and create a new layer.
4.Select the gradient tool and fill your selection with a copper gradient.

5.Set the blending mode to luminosity and apply the following settings..

6.Now using the polygon tool cut out some of the insides.

7.Now use the magic wand and select the cutouts, then select the colored layer and hit delete.
8.Now make a new layer an change the order so its in the rear, then inset a image and your done.


After a little practice you'll be able to do things such as this.