Once again with people attempting to make their photographs look "cool" by giving it a 3D frame effect (reminds me of a postcard, personally)... sickens me. Show the world your photographic talent with your picture, not Photoshop. Honestly, in my opinion, if you can't take a good picture without some touching up in Photoshop, you don't deserve a camera. Sure, one could say how it's just a little effect, nothing major—but what does this one effect imply? It implies you alter your images, you manipulate and fake what you've taken to make it appear "nicer" (I quote because I'd definitely make the argument a noisy picture looks better than one that looks fake)... It implies, in short, that you've created, not captured, a moment. You should take pride in what you've captured, but instead you hide it behind fancy effects.
Bit of a rage there, but really, it brings about nothing but the "wow, fake" feeling to me. Again, this is my own opinion and I know many would gladly dispute certain aspects of photography that may "require" Photoshop or some sort of editing (debatable, I feel), but I'm just the natural type of guy; I enjoy when photographs aren't altered before being showcased just to give others the false sense of how talented one may be at photography...
I think you all now have a pretty decent idea as to what my opinion surrounding this matter is, so I'll end my post with this: take pride in your photographs!