This Tutorial will guide us through out step by step procedures on how to create a photo frame within a photo. below is how the final image will be
Start by opening you image in Photoshop
create a copy of the background Layer
Layer - New - Layer Via Copy
and the new Layer named layer 1 will be created above background layer
Select the rectangle tool and set it as follows
Now draw smaller rectangle inside your image, you will have something like this
Now drag Rectangle 1 Layer below Layer 1
With Layer 1 active, create a clipping mask
Now select the Rectangle 1 Layer,then add layer style ( click on fx) and select drop shadow, set as follows
Click CTRL+T to resize the rectangle as desired once done click OK
Click on the Background Layer to make it active, with background layer selected create new adjustment layer black and white
Set reds to 37 and yellows to 79
Have fun!