I made it with PSP: &

Supplies:

Filters / Plugins:
Graphics Plus / Cross Shadow:
Filters Unlimited 2.0:

You are welcome to take this nice sunflower with you, it shows you always where you are (just click and drag) Have Fun!

tutorial tested by:

01) File / New / 700 x 550 px / transparent

 set your FGC to: #acc778
and your BGC to: #496012

flood fill with this gradient:

Effects / Plugins / I.C.NET Software / Filters Unlimited 2.0:
Paper Texture / Recycling Paper:

02) open the tube: landschaft_misted04.psp

Edit / Copy
close it again; we don't need it anymore
back to your picture 

 Edit / Paste / Paste as new layer

place it as shown below:

Layers / Duplicate

Image / Mirror

Layers / Merge / Merge Visible

03) open the tube: country-gate_lizztish.psp

Edit / Copy
close it again; we don't need it anymore
back to your picture 

 Edit / Paste / Paste as new layer

place it as shown below:

04) Image / Add borders / 2 px / colour: black

Image / Add borders / 25 px / colour: #d1cacb

activate your magic wand tool and select the 25 px border with it

Effects / Plugins / Graphics Plus / Cross Shadow:

Effects / 3D Effects / Inner Bevel:

Effects / 3D Effects / Drop Shadow:
&

Deselect

Image / Add borders / 2 px / colour: black

05) open the tube: cheval_tut98_DianeCreations.psp

Edit / Copy
close it again; we don't need it anymore
back to your picture 

 Edit / Paste / Paste as new layer

place it as shown below:

Effects / 3D Effects / Drop Shadow:
&

06) open the tube: Magie6132.psp

Edit / Copy
close it again; we don't need it anymore
back to your picture 

 Edit / Paste / Paste as new layer

place it as shown below:

Effects / 3D Effects / Drop Shadow:
&

Layers / Merge / Merge Visible

07) open the tube: West_WheelUnicycle_slsdu.psp

Image / Resize: 70%

Edit / Copy
close it again; we don't need it anymore
back to your picture 

 Edit / Paste / Paste as new layer

place it as shown below:

Effects / 3D Effects / Drop Shadow:

08) activate layer under it

open the tube: woodbarrel.psp

Edit / Copy
close it again; we don't need it anymore
back to your picture 

 Edit / Paste / Paste as new layer

place it as shown below:

Effects / 3D Effects / Drop Shadow:

Layers / Merge / Merge Visible

09) open the tube: mot_cowgirl_tut98_DianeCreations.psp

Edit / Copy
close it again; we don't need it anymore
back to your picture 

 Edit / Paste / Paste as new layer

place it as shown below:

Effects / 3D Effects / Drop Shadow:

Layers / Merge / Merge Visible

10) open the tube: deco_tut98_DianeCreations.psp

Edit / Copy
close it again; we don't need it anymore
back to your picture 

 Edit / Paste / Paste as new layer

place it as shown below:

Effects / 3D Effects / Drop Shadow:

Image / Resize: width: 600 px (all layers checked)

Adjust / Sharpness / Sharpen

11) add your watermark and name

Layers / Merge / Merge Visible

File / Export / JPEG Optimizer