ArtPlay Palette Flourish http://www.oscraps.com/shop/product.php?productid=10009545&cat=383&page=1
WaterColor FotoBlendz No 5 http://www.oscraps.com/shop/product.php?productid=10009544&cat=383&page=1
Flourish WordART No 1 http://www.oscraps.com/shop/product.php?productid=10009525&cat=398&page=1
Urban Threadz No 5 http://www.oscraps.com/shop/product.php?productid=10009482&cat=383&page=1

Photo from Pixabay, a photo sharing website

Process
Placed Artsy Paper and photo. The photo was treated with an editing app called Aquarella prior to its placement. One FotoBlendz mask was placed over the image and duplicated four times, moving each copy to provide coverage over the photo image. The mask layers were then merged and the final mask moved behind the image and tweaked to fit using the transform tool.
Several transfers were placed behind the image for added color and texture. The Urban Threadz and bubbles created by me were added and then the word art finished it all off.