This is my first time...so im goin to try to make this easy...
First make a new page: File>NEW> ( You Should do Width=500 Height= 125 )
Then Add In your Picture that you would like to have at the end
Then Select that picture by pressing Ctrl+A
Next go to Filter > Blur > Motion Blur ( The settings should be Angle=45 Distance=336)
Then Duplicate the layer and put all around your background intill you filled the whole background.
Next press Ctrl+Shift+E
Next go to Filter > Distort > Ripples ( The settings should be default 100% and Medium)
Now Go back to the picture you wanted to add and paste it into your background...and add text and enjoy...
This Is mine:
* If your looks a lil bit different don't worry i played around with this one...also if you want to know how to make a boarder look at the bottom of this*
Add A new Layer....then go to Edit > Stroke > ( the settings 3 pix Color= Black )
Add Another new layer...go to Edit > Stroke > ( the settings 2 pix Color= white )
Add Another new layer...go to Edit > Stroke > ( the settings 1 pix Color= Black )
There you go...once you save it and put it on a website or something you will really see it...so don't worry if it looks kinda small