I made it with PSP: &

Supplies:

Filters / Plugins:
Filters Unlimited 2.0:
L en K / Elvida:

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 / 650 x 500 px / transparent

set your FGC to: #c8cad0
set your BGC to: #565e8b

flood fill your picture with this gradient:

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

02) open your tube: PAY-OCT2007-01

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

 Edit / Paste / Paste as new layer

03) open your tube: swans_msr

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:

Effects / Edge Effects / Enhance

Layers / Merge / Merge Visible

04) Layers / Duplicate

make the top layer: invisible

activate the layer under it

Adjust / Blur / Motion Blur:

Effects / Texture Effects / Mosaic Antique:

Adjust / Blur / Gaussian Blur: Radius 20

Effects / Plugins / L en K landksiteofwonders / Elvida: Distance: 30

05) activate the top layer and make it visible again

Image / Resize: 85% (all layers NOT checked)

Selections / Select all

Selections / Float

06) Layers / New Raster Layer

flood fill the selection with: white

Effects / Plugins / I.C.NET Software / Filters Unlimited 2.0:
Photo Aging Kit / Photo Frame 01

Deselect

activate the top layer: Raster 1

activate your magic wand: Toleranz auf: 10

select the black border with it

Selections / Modify / Expand to: 1 px

Edit / Cut
or press your delete key once

Deselect

Layers / Arrange / Move Down

07) activate the top layer: Copy of Merged

Image / Resize: 95% (all layers NOT checked)

Layers / Merge / Merge Down

Image / Resize: 90% (all layers NOT checked)

Effects / 3D Effects / Drop Shadow:

Layers / Duplicate

Image / Rotate / Free Rotate:

Layers / Arrange / Move Down

activate the top layer: Raster 1

Layers / Merge / Merge Down

place it as shown below:

08) open your tube: V~BeautifulValentineRose

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

 Edit / Paste / Paste as new layer

Effects / 3D Effects / Drop Shadow:
&

place it as shown below:

09) open your tube: lettres

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:

10) open your tube: PatryTubes_06_ValentineD_12

take the red one

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

 Edit / Paste / Paste as new layer

Image / Resize: 70% (all layers NOT checked)

move it into the upper, left corner

activate your deform tool (D) / pick tool (K)

move it like me here:

Effects / 3D Effects / Drop Shadow:

11) open your tube: rosagat20-mlr

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:

12) Image / Add borders / 12 px / colour: #FFFFFF

activate your magic wand tool

(do not forget: tolerance: 0!!!!)

select the white border

Effects / 3D Effects / Drop Shadow:
&

Deselect

Image / Add borders / 2 px / colour: #800000

13) open your tube: cadre_coeur

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

add your watermark and name

Layers / Merge / Merge Visible

File / Export / JPEG Optimizer