For the Rain Effect, "Sqirlz
Water Reflection" were used.
It can be downloaded here.
Download all the Supplies here.
Place the Mask (30.jpg) in the Mask Folder and
open the rest of the supplies in PSP.

Let's
start!
New Image - 800x600 white.
Layers - New Raster Layer.
Selections - Select All.
Copy (Trees Art.jpg) Paste into Selection.
Selections - Select None.
Layers - Load/Save Mask - Load Mask from Disk -
Look for Mask "30".

Layers - Merge - Merge Group.
Copy the Frame (SE_Intensity_Frame.pspimage) and
paste as a New Layer.
Effects - 3D Effects - Drop Shadow : 1-1-70-10
Black.
Copy (Idavi-passion-heart4.png) and paste as a
New Layer.
Move to the right
Add the same Drop Shadow.
Effects - 3D Effects - Drop Shadow : 1-1-70-10
Black.
Copy (Idavi-passwion-flowerleaf1.png) and paste
as a New Layer.
Move to the left and to the Top.
Add the same Drop Shadow.
Effects - 3D Effects - Drop Shadow : 1-1-70-10
Black.
Copy the tube (EK Little Blessings April 2
KMG.psp) and paste as a New Layer.
Move to the left and to the bottom.
Add the same Drop Shadow.
Effects - 3D Effects - Drop Shadow : 1-1-70-10
Black.
Copy the text (teksrRainyDays.pspimage) and
paste as a New Layer.
Place it to your liking.
Add your watermark and your name.
Fonts used : Children Play and Scrap Kids.
Layers - Merge - Merge All (Flatten).
Save your image as a Jpeg.
Open the Program "Sqirlz Water Reflections".

Click on the Green Icon image
and open your saved Image.
Choose : Rain/Snow and Ripples
Combination


Choose : Rain/Snow Only
Click on Customize Rain/Snow
to set the parameters.

The Set Parameters for Rain or
Snow will pop up. Settings as per example:

You can change the rain
settings to your own liking too, as well as the
direction.
Click on "Run Animation"

When you are satisfied with
the result, save your image as a .gif file.
??????

For this image, select Rain/Snow
and Ripples:

Click on Rain/Snow AND Ring
Ripples.

Choose - Customize Ring
Ripples

Set the Parameters for Ring
Ripples with the following settings:

Activate the Selection Tool :

Make your Selection - Right
click to close the selection.

Click on "Run Animation" to
see the effect.
Play around with the number of
Ripples until you are satisfied.
When you are finished, save
the image as a .gif file.