1. Make new document. (like usually i use 640x480). Next press ''D'' to change your foreground black.

2. Fill it with black. Edit -> Fill and then OK

3. Now write your name or word in white. To change your color to white press this arrow.
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4. Now select your text. Hold down CTRL and press on your text layer.

5. Next expand your text. Select -> Modify -> Expand. Use those settings:
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Now you have like this:
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6. Now make a new layer. CTRL+ALT+SHIFT+N and select your Gradient Tool. (this:
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7. Do this: [You must be registered and logged in to see this image.]

and select this:
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8. Now drag a line, left to right, it have to fill your text. (Like this:
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9. Next you have to select your text layer. CTRL and click on your text layer. (usually it's in the middle)

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10. Now CTRL+X to cut your text out of this mess.

You have to have like this:
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11. Make your text layer invisible.
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12. Right click on your gradient layer (first) and select Blending Options. Set those settings:
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To have this gradient thing like i have ho this press LOAD and then Metals, next LOAD:
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and select this:
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and you have it:
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That was so simple. Now you just have to play with your background.