Burnt Paper

First make a new image 230 x 230 pixels. Then create a new channel...."Alpha 1"

If you don't know how to create a new channel, go to this page.

Select the Lasso Tool

and make a selection like the picutre below:

You don't need to follow my selection exactly, just make it look like a burnt paper shape.

Use the paint bucket tool to fill the selection white color:

Then go to Select>Deselect, Then go to Filter>Pixelate>Crystallize.......enter 3 for cell size. Now you should see the edge of the paper looks like burnt paper.

Now go back to the background layer and create a new layer. Go to Select>Load Selection, use the "Alpha 1" channel:

Use the paint bucket to fill the selection with white. Then Select>Deselect. Now go to Layer>Effects>Drop Shadow, follow my settings:

Go to Layer>Effects>Inner Shadow, follow my settings:

You're not done yet, continue...click NEXT