In Photoshop CS6, the new version of Photoshop, you can use special cropping tool and you are done, but that doesn't mean you cannot achieve the same result with older versions.
Pretty cool Photoshop tutorial, where we will add two text layers, one will be placed behind and the main at front. And I think you might really enjoy the final result, go for it and have fun!
Adobe Photoshop CS6 comes with many great features, let me show you how to turn a daylight photo into a photo that looks like it's been taken at evening, sundown or at night with only a click.