I made it with PSP: &

Supplies:

Filters / Plugins:
FM Tile Tools / Blend Emboss:
Alien Skin Eye Candy 5: Impact:
Penta.com / Dot and Cross:
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: #492e28
and your BGC to: #904325

flood fill with your light BGC

Effects / Plugins / Graphics Plus / Cross Shadow: 
default settings

02) Layers / New Raster Layer

flood fill with your dark FGC

open file: 14_sharev_msk.jpg

minimize; back to your picture

Layers / New Mask Layer / From Image:

Layers / Merge / Merge Group

close minimized mask; we don't need it anymore

Effects / Geometric Effects / Perspective - Horizontal:
Distortion: 25 / Transparent

Effects / Plugins / Graphics Plus / Cross Shadow: 
default settings

03) open tube: Jan Series Fantasy II 2 - 2.pspimage

Image / Resize: 85 %

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

 Edit / Paste / Paste as new layer

position as shown below:

set blend mode of this layer to: Luminance

04) open tube: Jan Series Fantasy II 2 - 1.pspimage

Image / Resize: 45 %

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

 Edit / Paste / Paste as new layer

position as shown below:

05) open tube: deco_tut157DianeCreations.pspimage

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

 Edit / Paste / Paste as new layer

position as shown below:

06) open tube: k@rine_ dreams _Pretty_Goth_973_MARS 2010.pspimage

Image / Resize: 68 %

Adjust / Sharpness / Sharpen

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

 Edit / Paste / Paste as new layer

position as shown below:

Effects / Plugins / Alien Skin Eye Candy 5: Impact / Perspective Shadow:
&

07) activate your text tool

set your FGC to: #76a4a2
and your BGC to: #412a23

write your text (vector)

Layers / Convert to Raster Layer

Effects / Geometric Effects / Perspective - Horizontal:
Distortion: 25 / Transparent

Effects / 3D Effects / Drop Shadow:
3 / 3 / 80 / 2 / black

08) open tube: deco2_tut175DianeCreations.pspimage

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

 Edit / Paste / Paste as new layer

position as shown below:

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

Image / Add borders / 2 px / colour: #94b1b0

Image / Add borders / 2 px / colour: black

Image / Add borders / 25 px / colour: #904325

select 25 px border with magic wand

Effects / Plugins / Graphics Plus / Cross Shadow:
default settings

Effects / Plugins / Penta.com / Dot and Cross:

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

Deselect

10) add your watermark and name

 Image / Add borders / 2 px / colour: black

Image / Add borders / 2 px / colour: #94b1b0

Image / Add borders / 2 px / colour: black

11) Effects / Plugins / I.C.NET Software / Filters Unlimited 2.0:
Buttons & Frames / 3D Glass Frame 1:

File / Export / JPEG Optimizer