Photoshop - "This is a simple tutorial on how to get the retro polaroid coloring on your digital photo. This coloring effect will definitely go well with these polaroid brushes. (Link on website). I can't guarantee that this is the polaroid effect you're looking for, but if you have Photoshop, it's worth a try."
Amazing photoshop tutorials on making all kinds of picture frames. (how-to) by Photoshop Roadmap at: http://www.photoshoproadmap.com/Photoshop-blog/2009/01/03/30-beautiful-photo-frames-and-borders-photoshop-tutorials-brushes-and-actions/