I made it with PSP: &

Supplies:

Filters / Plugins:
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 / 625 x 450 px / transparent

set your FGC to: #ecf0f4
and your BGC to: #5c72a8

flood fill your picture with this gradient:

Effects / Plugins / I.C.NET Software / Filters Unlimited 2.0:
Paper Texture / Fibrous Paper, Coarse

02) open the tube: MarieL_2006_09Septembre_smoke22t

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

 Edit / Paste / Paste as new layer

Adjust / Hue & Saturation / Colorize:

place it to the top border

Layers / Duplicate

Image / Mirror

Image / Flip

Layers / Merge / Merge Down

03) open the tube: dentelle_124

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

 Edit / Paste / Paste as new layer

move it to the left side:

Layers / Duplicate

Image / Mirror

Layers / Merge / Merge Down

04) open the tube: rahmen_5

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:

05) open the tube: krw-male heartacheSmall

Image / Resize: 60% (all layers NOT checked)

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

Image / Rotate / Free Rotate:

activate your eraser tool (X)

erase a little on the left and on the right side away:

Effects / 3D Effects / Drop Shadow:
&

06) open the tube: coeur53

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

 Edit / Paste / Paste as new layer

Image / Resize: 80% (all layers NOT checked)

 Image / Rotate / Free Rotate:

place it as shown below:

Adjust / Sharpness / Sharpen (twice)

Layers / Duplicate

Image / Mirror

place it as shown below:

Layers / Merge / Merge Down

07) open the tube: jet-woman08-oktober-2007

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)

Adjust / Sharpness / Sharpen

place it as shown below:

Effects / 3D Effects / Drop Shadow:

08) Image / Add borders / 2 px / colour: #FFFFFF

Image / Add borders / 12 px / colour: #000000

activate your magic wand

select the black border

flood fill the selection with the black border:

Effects / Plugins / I.C.NET Software / Filters Unlimited 2.0:
Paper Texture / Cotton Paper, Fine

Effects / Plugins / I.C.NET Software / Filters Unlimited 2.0:
Buttons & Frames / 3D Glass Frame 2

Deselect

09) Image / Add borders / 2 px / colour: #FFFFFF

add your watermark and name

File / Export / JPEG Optimizer

(with rahmen_blanco / top picture = without)