It is a very easy & more effective tutorial to give water reflection to your images, with some realistic effects to create your image more attractive and appearing. You can apply this technique to any photo of u which one you want because it is easily applicable on any image rather it would have water in them or not.

You have to use simple filter and a displacement map to create the water ripple effect, and a Hue/Saturation adjustment layer to give your water a little color.

Well I have picked this image for working on it throughout this tutorial:

The original image. [by shutterviewphotrography ]

And that is our final image after applying this technique

The final result.

Here is how to do it: