Scrapkit is Bathtime Fun,a freebie from Dee at Dmg Designs here,this is just the cutest kit! Thank you Dee!
Font of choice,I am using Bubble Man here
-This tutorial was written assuming you have working knowledge of PSP-
Dropshadow for entire tut:
Open a new white 500x500 image/paste frame3 as a new layer/click inside frame with your magicwand/selections/modify/expand by 5%.
Paste paper11 under frame/resize 10%/selections/invert/delete.
Paste bathtime bear3 as a new layer/resize 25%/position/delete/deselect/dropshadow.
Hide white background layer/layers/merge/merge visible all other layers/dropshadow/unhide layer.
Paste ribbonflower4 as a new layer/resize 40%/edit/repeat resize 2 times/position/layers/duplicate 2 times/position/dropshadow.
Paste swirlybeads1 below frame layer/using your pick tool,position to the right of the tag/layers/duplicate/using the pick tool again,position the beads/dropshadow to both layers.
Paste wordart1 as a new layer/resize 40%/position/dropshadow.
For my name,I used paper12 for fill/black on the foreground.
Hope you enjoyed my tut,would love to see your results.