Hi from Iowa

Peggy, many of the Photoshop tutorials will work for Photoshop Elements. Layers should appear in the order they're stacked on your layout, lowest ones at the bottom of the list. Grab some styles to gain access to most of the layer style options, since PSE hides them by default and you can't access them otherwise. Clipping papers to things is generally done by alt-clicking on the line between the paper and the element you want to add the paper to, then selecting a blending mode that works for that element. Don't forget you can use a lower opacity to make something look more natural or blend a mask onto a background paper. I know there's tons more to remember, but that should get you the quick-start to get you back making layouts in no time. And remember that Ctrl-Z (undo) is your friend; you can't really screw something up beyond repair unless you save over an existing file, so experiment away!