This is actually Carol's photo - Sorry Carol! It is Balboa Island from our USA trip back in 2013 with Debi.
I was Playing around with an action I downloaded today
(see the thread!&p=477675#post477675)
I guess it is similar to what you can achieve far more easily with some phone apps, but this produces a higher resolution images with more detail and is easier to customise. Horses for courses...

I added a few goodies from the store:
Vintage Essentials Paper Pack No. 02
Edge Overlays No. 09
Sentiment Lines Brushes and Stamps No. 03