Supplies here.

Let's start!
Open all the Supplies in psp.
New Image : 600x600 white.
Choose a color from your tube. I used
#f66433.
Layers - New Raster Layer.
Floodfill the layer with your color :
#f66433.
Layer - New Mask Layer - From Image (tde_70.jpg)
:

Effects - Edge Effects -
Enhance.
Layers - Merge - Merge Group.
Copy (agiFrame_062807.pspimage) and paste as
a New Layer.
Effects - 3D Effects - Drop Shadow
: 2-2-45-16 Black.
Copy (pd-flower1.pspimage) and paste as a
New Layer.
Move it to the left bottom.
Layers - Arrange - Move
Down.
Copy (pd-flower2.pspimage) and paste as a
New Layer.
Move it to the left top,
just a little underneath the frame's top
flower.
(See Example)

Activate the Top Layer.
Copy the little bees (pd-Bees.pspimage) and
paste as a New Layer.
Move to the top left.
(See Example)

Copy the woman tube (Terry_Little Polka Dot
Bikini_Mar 081.psp) and paste as a New Layer.
Add the same Drop Shadow.
Effects - 3D Effects - Drop Shadow
: 2-2-45-16 Black.
Using your Freehand Selection Tool set at
point to point,
choose the part of her body that falls
outside the Frame.

Press Delete.
Selections - Select None.
Lock out the Visibility of the woman tube.
Activate the Frame Layer
.
With your Magic Wand,
select the Black Flower on the Frame.

Activate the layer of the
woman tube again and press Delete.
Selections - Select None.
Activate the Text Tool, choose 2 colors and
a font of your choice.
Snakelady used Coctail script , size - 150 -
add your name or text.
Add the same Drop Shadow.
Effects - 3D Effects - Drop Shadow
: 2-2-45-16 Black.
Layers - Merge - Merge All (Flatten)
Add your watermark.