It is really easy, here is what you do.
First copy and paste the border you want into your message
Then check the use HTML button at the bottom of the page
Now go to PB and highlight and copy the Tag line of your pic
Now go and look at the HTML coding that follows here and insert your tag line where I have it highlighted, every border is the same. Just make sure that you insert after the last <TD> in the code. Go look
Now just uncheck the Use HTML button and there is your pic in the border, you can center it if you want by clicking on the picture and use the "center button" on the menu bar at the top of the message board.
Highlight the "Your Text Here" and backspace and type in your message. Thats it
<DIV>
<TABLE borderColor=#424674 cellSpacing=1 cellPadding=20 width="100%" align=center background=http://photobucket.com/albums/v214/kramerca/Backgrounds/th_bluewatercanborder.jpg border=2>
<TBODY>
<TR>
<TD>
<TABLE borderColor=#424674 cellSpacing=1 cellPadding=20 width="100%" align=center background=http://photobucket.com/albums/v214/kramerca/Backgrounds/th_Bluewatercanglitter1.gif border=2>
<TBODY>
<TR>
<TD>
<TABLE borderColor=#424674 cellSpacing=1 cellPadding=20 width="100%" align=center background=http://photobucket.com/albums/v214/kramerca/Backgrounds/th_bluewatercanborder.jpg border=2>
<TBODY>
<TR>
<TD>
<TABLE borderColor=#424674 cellSpacing=1 cellPadding=10 width="100%" align=center background=http://photobucket.com/albums/v214/kramerca/Backgrounds/th_BlueWaterCanbackground.jpg border=2>
<TBODY>
<TR>
<TD>insert your photobucket tag line here
<CENTER><FONT size=+0>YOUR TEXT</FONT></CENTER></TD>
<TR></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE>
<DIV></DIV>
<DIV></DIV></TD></TR></TBODY>
<DIV></DIV>
<DIV></DIV></TABLE></DIV>
<P> </P>