Creating larger than life fantasy art

Start by opening an image of a frozen river.

From "Filter" menu select Distort>>Diffuse Glow. Apply settings as shown.

Insert another image of a woman preferably lying on a bed or a couch.
Knockout the background elements using your favorite technique.
Select eraser tool. Use a wide radius and feathered settings to smoothly erase hard edges near feet of the woman.
Change the layer mode to "Luminosity".

Duplicate the layer and change the layer mode to "Saturation".

Create selection of the the water as shown below.
Select the background layer and press Ctrl+J to copy paste the selection in a new layer. Move this layer above all the layers in layer order in layer palette. Change the layer mode to "Hard Light".

From "Layer" menu select New Adjustment Layer>>Hue/Saturation. Apply settings as shown.