This tutorial shows a simple technique for producing a glossy text effect using Pixelmator, the image editor for Mac OS X.
Even if you can't afford to spend anything on software, you can still find free software to help you edit and create images. GIMP is one option for a powerful, free open-source image editor.
The out of bounds effect is when a part of the photo extends beyond the frame. It's a popular effect that can add dimension and interest to a subject, and it's easy to create in Photoshop Elements 9 and higher.
Karen invites you to go crazy and have some fun with Painter's Pattern Pen variants: "Pattern Pen brush variants let you use a brush to apply a pattern to an image. You can vary features such as the size of the pattern and the transparency. This category of brush variants opens up a new and exciting path to creativity."