|Adorable child pic is Daizy by M on DeviantArt|
It would also work as a Valentine image, which was my original idea, but I couldn't find an image I liked.
Left click to bring up to full size, and right-click to save to your computer. Add your photograph in a layer below this then merge. This is a png, so the central white portion is actually transparent. If this doesn't download correctly, use this image code instead:
http://i659.photobucket.com/albums/uu313/1stFloorFlatComputery/67d25be6.pngHere's an excellent video tutorial by Shabby Blogs showing how to layer and add text:
People often ask me if I use a lot of layers in my work. The answer is 'yes' and here is this piece, if you are interested: