For those who don’t know what Layers is- it’s an awesome online magazine that provide information for all the adobe programs. There are great tutorials, blogs, reviews, and even tv webisodes. It’s slightly hard to describe the site other than that you should check it out : layersmagazine.com.
Here is a specific tutorial example that I thought was pretty neat.— http://layersmagazine.com/photoshop-cs4-a-picture-worth-a-thousand-words.html
In this tutorial, it shows you how to mask an image using text, a really cool effect. It was done by Dave Cross and here are the start and finish results: