Here we have a great tutorial on creating a textured grunge style background for web and photo use and even create a little place-holder for images form scratch. Photoshop tutorial Create a Warm Grungy Background
Be sure to follow along with this quick tutorial because every time you do it you will get something different, sometimes the results will be awesome. Photoshop tutorial Create an Explosive Color Swatch Effect
We will start with a base RAW file from an 8 megapixel low-end Canon digital camera and we will open it with Photoshop and use the Camera Raw editor to make these changes. Photoshop tutorial dramatic color effect camera