You may get .psd* file of "Happy Valentine's day card." Photoshop tutorial by making a donation. Put the tutorial title in "Add special instructions to seller" line of PayPal and it will be sent to you shortly.
- Insert water splash image.
- Make it black & white. Image > Adjustments > Black & White.
- Apply Auto Contrast.
- Add layer Mask to this layer.
- Erase some areas using round soft brush.
- Duplicate water layer.
- Make it dark, just like in the previous example with glass heart.
- Apply Screen Blending Mode effect to created dark image.
- Duplicate all heart layers.
- Merge them.
- Apply Flip Vertical Transformation. Edit > Transform > Flip Vertical.
- Move this layer down.
- Apply Soft Light Blending Mode and Opacity 75%.
- Go to Filter > Distort > Wave.
- Apply the following adjustments.