I used animations shop I used image effects underwater play around with the settings

A great tutorial for this effect above called no boundaries is here

you can get this wallpaper by clicking wallpapers to left

Great frame within tutorial here

I used one of my photos the Reflect program you can get it here then image border all different sizes

I used one of my photo and  then grey scaled then re colorized

here is a great tutorial tutorial here

Here is another I did for a group

Click to Go to my 2D and 3D gallery now