APP AutumnReverie_Frame2, GoldPaint, LeafGold, Ribbon, Wordstrip
APP Getaway_Branch
APP Glance_SolidPaper2A, Transfer 6
APP SkysTheLimit_LWMovingForward
APP Wish_Brush4
DoilyEdgeOverlays4_5
urbanthreadz
Various brushes
Font: Porcelain
I started with the solid paper, and then added the photo, which was clipped to a brush, and the opacity and blend mode altered. The texture underneath was added and a copy of the photo was clipped to a second brush under the main photo. the opacity and blending modes were then adjusted. finally the frame was placed and the other elements added.