If you're not entering this month's contest because you're intimidated about how to do out of frame images and you have Photoshop, please give this a try. Here are the steps.
1. Open an image that lends itself to the out-of-frame look
2. Crop the image allowing for the frame area around it.
3. Add a new layer.
4. Make a selection inside your frame-to-be, excluding the picture and then invert it.
5. Fill the frame with the color of your choice.
6. With the selection still on copy the frame and past it. This is necessary in order to use a Layer Style
7. Click on Layer Styles in the Layers Palette and choose Bevel and emboss. Play with the slides and choose the look you like.
8. Click on the Layer Mask icon at the bottom of the Layers Palette and paint with black over the area you want to appear over the frame. A shadow is nice beneath what sticks out. I was lucky because the pavement made a good shadow. How to make the shadow is the subject of another tut if you don't have something like the pavement!
9. Almost forgot - the hearts were created with the shape tool, edit transformed to rotate and bevel layer style to give depth.
Click on "next" to see another opportunity for practice.