You will need:
Paint Shop Pro
Image of choice - I'm using one by Stephanie Shimerdla
Frame type mask.  Mine is from Zuzzanna
Font of choice

Choose an image that has a part reaching out.  Convert to raster and duplicate.  On the bottom layer load your chosen mask from disk, invert checked.  Merge group.

Increase your canvas size, to give you room to work.  Add another layer, flood fill with white, and move to the bottom.

On the top layer we only want to keep the reaching out part, so that it looks like it is reaching out of the picture.  So slightly lower your opacity so that you can see the frame underneath, and using your lasso tool, feather 2, draw around the bit you wish to keep, like so:

Selection/invert, and hit delete.  Select none.  Move your opacity back to 100%.  Now with this image a couple of the finger tips are missing, so I've selected ends of the other fingers to build it up.  Once happy with your image add a drop shadow of V = 0, H = 12, Opacity 60, Blur 8.  You may get some shadow showing on the part of your selection within your image.  Just select this with your lasso, and hit delete.  Select none, and merge down, then add a drop shadow of V & H = 0, Opacity 50, and Blur 8.

Add your text, in a colour of your choosing, with whatever your image says to you.  Mine says "DON'T LEAVE ME".  I'm using a distressed font for this.  Convert to raster then lower the opacity to 67.

Add your name and the copyright. Crop to get rid of the excess white background.  And save as a jpeg.

Please feel free to link to this tutorial, and/or print it out for your own personal use, but DO NOT copy it in ANY way to put on-line, pass out, or re-write without my permission.  Any resemblance to any other tutorial like this is purely coincidental.   Thank you.  This tutorial was written on the 29th September 2007 by Faerie Queen.