Apply a normal linear gradient over it just look like in figure
Having color selection 007dbe, 028ccd, 07a0e3, 32b4f0, 68cdf7 respectively
Now just open this texture
and paste it over the background layer and change its light mode as shown in figure to hard light
Now go to the layer ->new adjustmet layer->levels
And apply level as shown below
Now open a new transparent layer by going layer->new -> layer
And apply some of the star brushes as i gave you earlier in another thread named as JIM style brushes and apply them as shown in figure
and i m not able to find that thread so here is the link
http://hotfile.com/dl/23013178/db7bf
Now apply one more brush i applied water brush (google it ) over another new transparent layer
You picture should look like this now
Now if u want to balance some color you can do it by going to the layer->adjustment layer->color balance
I balanced it as shown in figure you can do your own color balance
Now background is complete ,we will move to the text area
Put some text as i put my brother name(a retarded orphan child) there you can use any name
And you can give any color
Now just apply in blending mode as i did
Now click on T of text layer as shown in figure
It will select the whole text area now press ctrl+C and ctrl +V and hide the text layer it will look like as shown in figure
And change the light mode to soft light i brushed it selected area with black color
Now again set blending option as i did
Now it should look like
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