Here's one way to create reflections in water. (The basic steps can be adapted to work with any image.)
Duggan, Sean. Mac Design Magazine (2003). Design>Graphic Design>Software>Adobe Photoshop
Photoshop is useful at generating interesting textures and patterns, and version 7 even has a nifty Pattern Maker filter to help you craft patterns that tile seamlessly. To create a more custom look, I like to create patterns and texture using different combinations of the built-in filters along with Blend Modes and Adjustment Layers. It's fun to spend time experimenting in the Photoshop laboratory to see what you can come up with.
Duggan, Sean. Mac Design Magazine (2003). Design>Graphic Design>Software>Adobe Photoshop
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