Choose a jpg. Copy paste as new image. Close original. Resize and sharpen. Copy paste as new image. Minimize copy.
Use the preset shape tool 
to frame the image area.
X the spectacles for the background layer. Use the Magic Wand 
to select the shape. Invert the selection. Convert to raster layer. Fill 
the inverted selection with solid black.
From the menu bar, choose:
From the menu bar, choose:
From the menu bar, choose:
Restore the jpg you minimized earlier. From the menu bar, choose:
From the menu bar, choose:
Answer Yes to "Would you like the mask merged into the current layer?"
Save as a jpg or psp image.
To return to the transparent jpg on a tiled background tutorial
Close this window.