Anna Aspnes :
ArtPlay Palette Christmas Magic
http://www.oscraps.com/shop/product.php?productid=46013
WaterColor FotoBlendz No. 2
http://www.oscraps.com/shop/product.php?productid=44191"

I first used a transfer as a mask. I clipped my photo several times using different blending modes. I inserted transfers between the different layers. I merged all. Watercolor on FotoBlendz, then I clipped this together and a solid paper. I put the frame below and a new transfer above.