I pasted the photo > Selected pologonal lasso tool > Made a new layer for each strand > Filled each strand with different colors > Changed opacity in each layer
Paste a picture with rain drops > Change to black and white (Image>Adjustments>Desaturate>) > Make new layer, paste night city picture > Change opacity in layer 1 > Select brush and write text > Blur it > Change mode to soft light > Go over text again
Pasted picture > Made new layer > Select pen tool, outline a tear drop, fill with black, deselect > Change layer styles > Select brush, 1 pixel, add white dots > Select blur tool, go over white dots