I made it with PSP: &

Supplies:

Important:
01) put the file: marb18.jpg into your PSP folder: Pattern
02) put the file: 20-20.msk into your PSP folder: Mask

Filters / Plugins:
FM Tile Tools / Blend Emboss:
L en K landksiteofwonders / L en K's Paris:

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 / 500 x 500 px / transparent

set your BGC to: black (or clolour of your choice)

flood fill with your dark BGC: black

02) Layers / New Raster Layer

set your FGC to pattern:
marb18

flood fill with the pattern

03) open the file: mask-ch-32,jpg

minimize it; back to your picture

Layers / New Mask Layer / From Image:

don't merge it!!!

close the minimized mask file: mask-ch-32,jpg
we don't need it anymore; back to your picture

04) activate your magic wand tool: Tolerance: 25!!!!

click into the centre of the black ellipse:
 

Layers / Merge / Merge Group!!!

Selections / Modify / Contract to: 2 px

Layers / New Raster Layer

flood fill selection with this FGC: #9ba2b6

keep selected

05) Layers / New Raster Layer

open the tube: sax-g-029.psp

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

 Edit / Paste / Paste into selection

keep selected

06) open the tube: cdb_animal100.psp

Layers / Load/Save Mask / Load Mask from disk:

Layers / Merge / Merge Group

Layers / Duplicate

Layers / Merge / Merge Down

Image / Resize: 50%

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

 Edit / Paste / Paste as new layer

keep selected

07) Layers / Merge / Merge Down

activate layer under it: Raster 2

Selections / Modify / Expand to: 2 px

Layers / Merge / Merge Down

Layers / New Raster Layer

Effects / 3D Effects / Cutout:

Layers / Merge / Merge Down

Layers / New Raster Layer

Effects / 3D Effects / Cutout:

Deselect

Layers / Merge / Merge Down

Effects / Plugins / FM Tile Tools / Blend Emboss:

08) Image / Add borders / 3 px / colour: black

Image / Add borders / 3 px / colour: white

activate your magic wand tool: Tolerance: 0!!!

select the white 3 px border with it

flood fill selection with the pattern: marb18

Deselect

09) Image / Resize: width & height to: 450 px (all layers checked)

Adjust / Sharpness / Sharpen

Image / Canvas size:

10) activate your magic wand tool again

select the black border

Effects / Plugins / L en K landksiteofwonders / L en K's Paris:

Important:
if you use another colour than black:
(don't change: Control 4 & Control 5
Effects / Edge Effects / Enhance)

Deselect

11) open the tube: corner.psp

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

 Edit / Paste / Paste as new layer

position it as shown below:

Layers / Duplicate

Image / Flip

Layers / Merge / Merge Visible

12) open the tube: cdb_femme124.psp

Image / Resize: 80%

Adjust / Sharpness / Sharpen

Edit / Copy
close the tube 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:

13) Image / Add borders / 3 px / colour: white

activate your magic wand tool again

select the 3 px white border

flood fill selection with the pattern: marb18

Deselect

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

Image / Add borders / 12 px / colour: white

activate your magic wand tool again

select the 12 px white border

flood fill selection with the pattern: marb18

Effects / 3D Effects / Inner Bevel:

Deselect

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

Image / Add borders / 2 px / colour: white

activate your magic wand tool again

select the 2 px white border

flood fill selection with the pattern: marb18

Deselect

16) open the tube: cowgirl_horseshoes.psp

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

Edit / Paste / Paste as new layer

position it as shown below:

Effects / 3D Effects / Drop Shadow:

17) add your watermark and name

Layers / Merge / Merge Visible

Image / Resize: width: 650 px (all layers checked)

Adjust / Sharpness / Sharpen

File / Export / JPEG Optimizer