All the framing on the left is taken from the Summer's End Artsy Layered Template 207; used the frame set 3 times, twice to slice up some sky photos (taken while practicing yoga on the pier), then turned 90 degrees to feature a few photos from the weekend.
On the right I used the bult of the Template, with my photo clipped to a Summer's End Transfer in Subtract Mode.
Summer's End Artsy Transfers added all around background, along with my much-used Palm Tree brushes stamped in different colors.
For the text box I duplicated a tape element and merged it.
On the right photo, I clipped a Transfer to the Summer's End frame.
I filled the Urban Threadz Flowers with White then added Drop Shadow, Bevel and Glow.