I use adobe photoshop elements and i made
this
> this
1. Crop your image to suit your needs
2. Duplicate the image and set the new layer to 100% screen
3. Duplicate the layer again and this time set it to 49% screen
4. merge all visible layers
5. Duplicate the base layer, desaturate it and set it to overlay 100%
6. Create a new layer and fill it with #E2E2E2 and set to colour burn 100%
7. Create a new layer and fill it with #002277 and set to difference 22%
8. Create another new layer and fill it with #EFE5E4 then set to multiply 100%
By now you should have something that looks like this.
9. Paste in this texture thing and set it to screen 100%
10. take this text brush and past it in, set it to screen 100%.
11. Now add text and your done.