Great Tutorial.
http://www.secondpicture.com/tutorials/digital_image_processing/photoshop_water_tutorial.html

Here's a shot of me in my lab during some free time, powering up my backpack equipment for some traveling. I've devised a portal through which I can travel to other times in order to get some flying time in different aircraft.

OK, the truth: this is a composite of two photographs of me taken by my neighbor and friend, Tana, in my 'Amelia Earhart' outfit. I'm wearing a real leather flight helmet, with a pair of Swiss ski goggles - used for size and placement of the locomotive pieces. I found this cool shot of an aviation instruction center, and posed so that I could sit at the table holding the controlling device. See sbs for details.

Processed in 4 different ways, to achieve optimum colors to blend together with masking. Then transformed with 3d postcard tool in photoshop going from beginning image to final more colorful version

I tried to create something to give off a "sci-fi" mood :)
EDIT: Created a more realistic water reflection ...