Okies all...   There are several ways to make velvet/satin/   ect..
 
within the program..   One of the easiest ways is to find a
 
Texture on the internet.. http://www.volancia.com/Fabric.htm
 
i found this site great..  I just did a google site for red velvet and
 
found this great site...
 
 
1.) Open an image 600 x100  (a full sized would be 3600 x 150) roughly
 
2.)  fill with a color of choice i used Red
 
3.) Go to the link above  click on a fabric of choice.. it will open
a new window and make it bigger..  Copy it (or save it if you like)
 
4.) Go to edit/paste as new layer
 
5.)  Right Click on your new layer and go to properties
 
6.) on the dropdown in that window select OVERLAY
(if using psp 12 it will be just above the layer pallette the dropdown)
 
7.) right click your layer and merge visible
 
8)  Now go to select   /select all
 
9) go to selections again/ modify/ contract 8
 
10)  go to select on more time and select/invert
 
11.) Create new layer
 
12)go to effects/texture effects blinds
use a color darker than yours
Settings :