I don't have any beach photos, went a different way with the car photo that matched the beachy colors.

I started with Artsy Paper 3, loaded the MultiMedia Frame 3-2 layer file, clipped Artsy Paper 4 to the mask, and grouped the frame files. Above the frame group I placed my photo, with an inverted mask and brushed the car back in. Duplicated photo/mask with blend mode Screen @ 61%, duplicated again with blend mode Lighten @ 25%. I added 4 texture/paint layers from the Artsy Layered Template below the frame group. Embellished with elements, Artsy Stains, Take Flight brush, Sand Scratched brushes, MM Magic Sprinklez (leaf/twig removed), button threadz, and word art plus journaling. Finished with a Composite Layer on top (CTRl+SHIFT+ALT+E) with Multiply Blend Mode @ 30%.