Right Click, Save As (zip file)
Extract Framefun.exe to your usual program haunt
A stock image:

Execute the program (don't worry, it's virus and spyware free, I checked) and you'll be faced with this view:

by using file --> Open, import your photo through the file browser and click the Open button and your screen will now look a little like this:

At this point, you may wish to change the Frame 1/x values (to change the amount of frame you have outside your border you have) and the Border Abs. (the thickness of the direct border around the image) and of course your colour selection, black on white, white on black, red on blue, green on yellow, whatever tickles your fancy:

Once you hit the apply button you'll be shown a preview of framed image:

At this point, you can also add a watermark or Tag to the image, click the ... button next to the watermark text and a new screen with pop open:

As you'll notice, I usually tag my images in the bottom left corner... so that's the placement check I use... however I use about 5 or 6 space in the text field to ensure my name is within the frame... I also use 13pt font to give a decent sized tag on my web images because I always resize my pictures down to 800x533 pixels (relative to image original size for proportions)... again, this is personal preference...
clicking the preview button will drop your watermark onto the frame where ever you selected to put it, clicking ok adds this to the image.
Now don't be alarmed when your watermark does not appear in the right hand preview frame of the original window... it doesn't appear until you save the image.
Again because of web, I use progressive JPGs... so tick that text box... then it's just a matter of doing a file --> save or save as... and that's it.
and the results:

Pretty simple?
Thanks for reading.
Matt