Here is a great way to send a greeting and a picture at the same time. It is cute enough for a grandparent to feature on their fridge.
Start with a printed background paper that uses fall colors like orange, yellow, and brown. Cut out a rectangle that is 11 inches by 8 1/2 inches, then fold it in half. If you used a thin background paper you will need to glue it to some cardstock first.
Then find a picture that you want to attach. Cut the picture so that it fits your card. Then glue the picture to a coordinating color and cut out a rectangle about 1/4 inch larger than the picture. Glue the picture and frame to the card.
To add the ribbon layer twist the ric-rac a few times and then attach to the paper using brads.
The last step is your message. Cut out a rectangle with a different coordinating color than you used for the frame. Then either use a stamp, hand write, sticker, or print out a fall greeting and put it on the rectangle. Then attach this with the same brads you used on the ribbon.
Have fun creating!