This was done by utilizing the clone brush on a picture of a girl ukulele player and superimposing as an apparition on a photo I took from my beach.  I then masked the image by using the stamp tool and selecting seashells.  To finish, I used Mary Lou's Frame Shadow task to create the framing.

Just another version:

The following is from a fun tutorial by Stephanie for creating a Dreamcatcher:

And this is my "homemade version":