I used Anna Aspnes ArtPlay Palette - Autumn Romance http://www.oscraps.com/shop/ArtPlay-Palette-Autumn-Romance.html

Fotoblendz Overlay #9
http://www.oscraps.com/shop/FotoBlendz-Overlays-No.-9.html

Autumn WordArt Mix No. 1
http://www.oscraps.com/shop/Autumn-WordART-Mix-No.-1.html

Photo is from Internet - no credit necessary

Process - I first added the paper #2 from the ArtPlay Autumn Romance and then added my photo which I clipped to the PhotoBlendz Overlay No. 9. I then added the Post Card element and placed that layer below the overlay layer. I went back to the photo layer and cloned a part of the river from the picture and added a new layer and put the cloned part of the photo on that new layer. I then reduced the opacity fill of that layer to 58% I added brushes and did a color overlay picked from the colors in the photo. I added elements, then WordArt and changed the blend mode of the WordArt to Colorburn.