I'm sure Abiel will have a good tutorial on this somewhere.
In fact here's one from his blog where he shows cutting someone out using the freehand selection tool to create a very fun effect.
No Boundries Using PaintShop Pro Photo
I'm going to be pointing you at a number of YouTube videos that I've done on various tools in PSP. But everything I've gone over I got from the help files.
What you're talking about is getting a cutout of an image and placing it on top of a background. If you do a search for tutorials on cutting out objects or removing a background you'll get a huge number of tutorials on how to go about this. PSPX3 has a number of ways to tackle this problem from the simple to the more complex. One thing they all include is layers.
I don't know if these will help to explain layers but they were the best I had at the time.
YouTube - Layers Intro
YouTube - Layers Palette
I'm going to get one option out of the way as I don't have a tutorial for it and I don't tend to use it myself. PSPX3 has a new command called "Object Extractor" which allows you to draw around the object you want to keep. And the program will do it's best to erase the background for you and leave the image. It won't always do a perfect job but you can clean it up later with the eraser tool or similar.
Corel gives us a demonstration
Background Extractor Demo
The Setup:
The first thing you want to do is work on a duplicate image, you don't want to be changing the original. So my suggestion is to hit the key combination SHIFT + D to create a duplicate of your image. Now you can close the original.
With the layers palette open right-click on the background layer and select 'Duplicate' this creates a duplicate of the background layer onto its own layer. This new layer is what's known as a raster layer and it's necessary if we want transparent areas, which we do because we are going to get rid of the current background and replace it with a black one.
Next select the background layer in your layers palette again and create a new raster layer. It'll place this new raster layer above the background layer but below the duplicated layer. This helps us because it's like putting a piece of paper under your image. Grab the fill tool and change your foreground color to black on your materials palette.
YouTube - Materials Palette
YouTube - Selecting Color
YouTube - Flood Fill Tool
And with the new empty raster layer selected, click with the flood fill tool on the image and it should fill that layer with black. If you want to see this happen personally you can turn off the visibility of the duplicate layer by clicking on the little eye icon on next to the layer. But you'll be turning it back on soon enough.
You are all now set-up to do this.

I know it sounds complicated but it's very simple and quick. And there are many other ways to go about this, this is just my preferred method.
Options:
From there you can use the Eraser tool to slowly and carefully erase the parts of the duplicate layer you no longer want. This is, while the least complicated, the hardest to do. Because one mistake is hard to fix sometimes. And you don't want to be making large continuous erases. You want to do it in slow short strokes.
YouTube - Eraser Tool
You can also try the Background Eraser Tool. This tool, while meant to erase more solid colors than anything else, is an amazing tool that lets you erase the areas of an image around the object/person you want to keep in view. It does not work well if the background matches, or is close to, the object in color. This one took a good 20 minutes to cover properly.
YouTube - Background Eraser Tool Part 1
YouTube - Background Eraser Tool Part 2
You might try selections. Selections allow you to "select" a portion of an image and only work on that area. It's like setting down a stencil on a piece of paper. If you go off the stencil the change isn't noticed, but if you draw inside the stencil it takes on the shape of the stencil you're working with. The fun part is that you create the stencil. And there are a few ways to go about this. The first is to use the actual selection tools, in the case of your image the Freehand selection tool.
YouTube - Freehand Selection
The Smart Edge and Find Edge functions are very useful. And by changing the mode from "Replace" to "Add" or "Remove" you can keep editing the selection if you go too far or don't get enough. Which is very handy.
Another way to create a selection is to make it with vectors, but I don't know if you want to be messing with those. They are a bit convoluted for this sort of thing. You have to add corners, determine their type, line them up just right, but they do offer a lot of flexibility. Here's an example where I selected an eye using vector selections.
YouTube - Vector Selection
If you want to try that I can give you tutorials on vectors as well.
There are also masks, and the edit selection mode, and painting it all in manually on a layer ontop of the current one. The options are many, and I know this is not what you asked for. You asked for something specific, with rules you can follow. Sadly I tend to give the options and the tools. So I was never your best option for learning from. But like I said look for "object cutout" and you should get lots of tutorials because that's what you're doing (or the real world equivalent) you're cutting somebody or something out of an image and placing it on a new background.