Credits:
ArtPlay Palette Auriferous by Anna Aspnes http://www.oscraps.com/shop/ArtPlay-Palette-Auriferous.html
ArtsyPaint No 8 by Anna Aspnes http://www.oscraps.com/shop/ArtsyPaint-No.-8.html
Holiday WordART Mix No 6 by Anna Aspnes http://www.oscraps.com/shop/Holiday-WordART-Mix-No.-6.html
MultiMedia Holiday No 3 by Anna Aspnes http://www.oscraps.com/shop/MultiMedia-Holiday-No.-3.html

Process: I started with a solid paper from ArtPlay Palette Auriferous. I added two photos, duplicated them twice and merged them together with help of a mask and the Gradient Tool. The blending modes and opacities were different for each layer. I also adjusted the masks afterwards with brushes. I placed another solid paper on top of the photo and the blend mode was set to Soft Light. I used the Marquee Tool on the outside of the photo and decreased the opacity for this part. I then added a paint from ArtsyPaint No 8 which I placed on the left side. I used the Layer Style Bevel & Emboss for it and changed the color to white with a Color Overlay. I placed embellishments from MultiMedia Holiday No 3 along the right side and some embellishments and a transfer from ArtPlay Palette Auriferous. I finished the page with the text.