I have been fiddling with Polariods (or the look of Polariods) for a little while now. Here is a blank frame for you to use..
To see what I did with the frame you can click HERE. I used Photoshop CS and Photoscape to edit the images and insert them in the above frame.
I learn something new every darn day! Sylvia pointed out that there is a Polariod site that converts your images to Polariods. I'm sure they even add the correct shadows. If you are interested, here is the site: Polariod Project. It's even ranked one of the top 100 sites on the web.. really, I need to get out more..