I made it with PSP: &

Supplies:

note:
01) put the two gradients into your PSP folder: Gradient
02) put the file: SN76_Verinha.jpg into your PSP folder: Masks

Filters / Plugins:
FM Tile Tools / Blend Emboss:
Distort / Ocean Ripple:
OptikVerse Lab / Virtual Photographer:
Animation Shop:

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 / 640 x 560 px / transparent

flood fill with this gradient:

Adjust / Blur / Gaussian Blur: Radius 52

Effects / Plugins / Distort / Ocean Ripple:

02) Layers / New Raster Layer

flood fill this layer with this gradient:

Layers / Load/Save Mask / Load Mask From Disk:

Layers / Merge / Merge Group

Effects / 3D Effects / Drop Shadow:

03) Layers / New Raster Layer

flood fill this layer with this gradient:

Layers / Load/Save Mask / Load Mask From Disk

Layers / Merge / Merge Group

Effects / 3D Effects / Drop Shadow:

Image / Flip

position it as shown below:

04) open the tube: Marif_2006_septembre_misted_paysage10.pspimage

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

Edit / Paste as new layer

position it as shown below:

Layers / Arrange / Move Down

set the opacity of this layer to: 73

activate your eraser tool and remove as shown below:
=>

Effects / Plugins / FM Tile Tools / Blend Emboss:
default settings

05) activate top layer again

open the tube: 377NLF240808.pspimage

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

Edit / Paste as new layer

position it as shown below:

06) open the tube: Yoka-Photos-Legs120507-small.pspimage

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

Edit / Paste as new layer

position it as shown below:

Effects / 3D Effects / Drop Shadow:

07) open the tube: WordArt-SummerTime_passiongraphic.pspimage

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

Edit / Paste as new layer

position it as shown below:

Effects / 3D Effects / Drop Shadow:

08) add your watermark and name now

activate Layer: Raster 3 (water & strawberries)

Window / Duplicate (twice)

minimize the two copies; back to your first picture

activate your warp brush

apply the brush on the water to your liking

Layers / Merge / Merge Visible

hit: OK

Effects / Plugins / OptikVerse Lab / Virtual Photographer:

Edit / Copy

close this picture; we don't need it anymore

open your Animation Shop

Edit / Paste / As new Animation

09) back to PSP

activate one of your copies

activate your warp brush tool again

apply the brush on the water to your liking

Layers / Merge / Merge Visible

Effects / Plugins / OptikVerse Lab / Virtual Photographer:

Edit / Copy

close this image again; we don't need it anymore

back to your A/S

Edit / Paste / After Current Frame

10) back to PSP

repeat step 09

11) Animation Shop:

select frame (picture): F:2

Edit / Copy

activate last frame (picture)

Edit / Paste / After current Frame

Edit / Select all

Animation / Frame Properties: display time: 45

Animation / Resize:

File / Save as... *.gif