Chrisean Dames wrote:
thanks. I tried the steps in the first link. it is hard to follow

I think those that you send me look too vintage.

well if you noticed all they do is mix colors of darks lights and midtones and bring the values of darks and lights closer reducing contrast to get the muddy effect.

Selective color adjustment is the easiest to start with and experiment.

edit one more tut with curves:
http://layersmagazine.com/curvy-cross-processing.html

edit: here is a video:
http://www.youtube.com/watch?v=B-Sw0qiXhi0