ArtsyTransfers Auriferous http://www.oscraps.com/shop/ArtsyTransfers-Auriferous.html
ArtPlay Palette Auriferous http://www.oscraps.com/shop/ArtPlay-Palette-Auriferous.html
MultiMedia Holiday No. 3 http://www.oscraps.com/shop/MultiMedia-Holiday-No.-3.html
Holiday WordART Mix No. 6 http://www.oscraps.com/shop/Holiday-WordART-Mix-No.-6.html
Textured FotoBlendz No. 1 http://www.oscraps.com/shop/Textured-FotoBlendz-No.-1.html
All Anna Aspnes
Photoshop shape and Photoshop styles

I played with the photo, I gave it some filters in Photoshops Artistic filters and in Topaz Impression. In a new document I clipped the photo to some Textured FotoBlendz. I used a photoshop shape for the white frame and used some styles on it. I made a square selection filled with 20 pixels of color and I also used some gold styles on it. I placed the textured backgroundlayer. I placed all the brushes and transfers. I made a Threshold of a copy of the photo, I made a PNG of it and placed it above the backgroundlayer and blended it in. I typed the HO HO HO. I placed all the elements and the WordArt. I used the Blend if function on the WordArt. I merged the layers and did some sharpening.