Layer 1 - I used an image of my garden Buddha with his puka shell necklace.
Layer 2 - Stained linen texture saturation 100% and remove texture from bkgrnd.  Use poster edge filter and remove from subject.
Layer 3 - text
Layer 4 - another layer of stained linen texture - normal 28% 
Layer 5 - apply linen brush
Layer 6 - watermark
Have a wonderful week.  Thanks to Kim for her terrific textures.  Click on the Texture Tuesday icon in the sidebar and have fun looking at all the participants' photo edits.
 

 
















