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Open your template in PhotoShop (I‘m using Elements)
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Open your image and move your image into the same work area.
Placing your image above the template.
Select the top layer (which should be your image)
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Press ctrl + G
You image should be superimposed onto the template.
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Merge the layers and add a background.
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{I added shadowing and stroked the edges}
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Other Samples
Elements used to create Featured image Artwork provided by Created by Jill.