Why not check out my collection of Layered Templates at Digital Scrapbook Place. All my templates include layered PSD files as well as individual .png layers easily placed in order into a new document. Not sure how to use them? Instructions are included, but make sure you check out some of the software specific tutorials at DSP. Layered templates are also known as Quick Clicks at Digital Scrapbook Place.
Check out tutorials for your software here. Quick Clicks, Using [PSP] [PSE3] [PSE6 to PSE8]-pdf file [PS] [DIP] [FotoFusion] [PI]
I also have several clipping masks available in store at Digital Scrapbook Place, for some awesome artsy touches to your layouts! There is an awesome Photoshop tutorial on using Masks here.