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Thanks - I need to play around with this.  See, I am using a picture and frame as an example because it is simple. 

The area I need to select is very detailed and complicated.  I will need to save that selection on its own layer to go back and change the color etc a few times.  Then there is an area surrounding that area that I will need to make a selection, save it on a layer and go back and change colors again.  The result I need is 2 layers with separate selections.  I am trying to save a lot of time and avoid the possibility of leaving gaps.  The outside of the selection of the picture needs to be used in each layer selection - one as the outside of the selection, the other as the inside of the selection.