1. Make a new image. 250x100 , 16M Colors, White Background.

2. Make a new custom color: R=166 G=157 B=102. This will be you gold color.

3. Choose Green for foreground and red for background.

4. Get out the paintbucket tool and choose linear gradient, angle 225. Click on the image.

5. Choose your Gold custom color. Now choose the text tool. I used Invitation font size=90 pts. Antialias checked. Type some text. Click OK.

6. Click on Image>Plug-In Filters>Filter Factory Gallery A>Pool Shadow. Click OK. (You can download Filter Factory Gallery A from: PC Resources for Photoshop the Official Home of the Filter Factory Galleries.

7. Select White as your Foreground color (R=255 G=255 B=255). Click on Image>Other>Hot Wax Coating.

That's it! You don't have to do the background, or you can change the background to any color that you like. Also try embossing it or give it a shadow! Have fun!