This tag was created by Karee and was done on Paint Shop Pro X2 Ultimate.  The art work is by Arthur Crowe which you can buy here, and you can get the scrap kit HotNSweet there, too.

When it comes to a mask to use, I used several masks with several different papers in the kit to get the look. The papers I used were numbers 1, 2, 3, 4, and 5.

I used element 6 in the left hand corner with a couple gradient glows.  You can drop shadow when you want to.
Element 7 I put hue of 8 and saturation of 0 to make it that color. Used inner bevel, too.  I duplicated it and mirrored, so they could be on both sides.  All through this process, you can gradient glow and drop shadow whenever you want.
Element 10 I put on the top and sized to the picture.  Once in place, I duplicated and flipped it.
Element 12 was copied and pasted with a pick to fit between element 15.  Behind element 15, I put element 30 and used the same hue and saturation as before.
Always apply copyright and license to the pic.
When it comes to wording, you can put whatever you want.  My wording deals with my time away in a hospital and the problems I dealt with.
With the tag below, I just have a few differences in elements and wording.

To share results or ask questions, you can email me at mizzundaztood1@gmail.com