Snow Day
You will need
Winter Sparkle Scrapkit here by Clarey at BagofScrapz..
If you like her work join her Yahoo Group.
Thank you Clarey for being so generous and allowing us all to use your kits.
Silver Alpha Kit created by me here
Scrap Plaid Font available here
Open a new image 400 *400 pixels.
Select one of Clarey's papers and fill as background.
Open a bead strand and copy paste and place high up.
Drop shadow, V&H1, Opacity 60, Blur 2.
Open a frame and resize by 75% all layers unchecked, twice.
Select the inside of the frame and Selections>Modify>Expand>3
Open a new layer below the frame and paste your photo into selection.
On your photo layer, select all>select float>3d effects cutout
Cutout settings H&V 2, Opacity 40, Blur 6, Color Black.
Repeat with H&V -2.
Merge layers and copy and paste on to your main image and place to the left
under the bead strand.
Add same drop shadow.

Open a new image 400*100
Fill with #C0c0c0.
Effects>Texture Effects> Blinds
Width 4
Opacity 58
Color #EAE6E6
both boxes checked.
Reduce Layer Opacity to 60.
Open the silver alpha and copy and paste s n o w and place evenly.
Merge layers.
Copy and paste on to main image and place below photo frame layer.
Add elements of your choice and give them a drop shadow.
With your font set at Scrap Plaid size 48 width 1.
Foreground #7A7ACB
Background #FFFFFF
add your name, typing each letter a separate layer.
Click on the plus sign by your vector layer and all letters will be seen.
Click on these to move letters around.
Add drop shadow and bevel of your choice.
Image> Add Border 2. colour Foreground colour.