with the refine selection i increased the selection and smoother the edges and upped the contrast, used this selection to cut out a piece of the concrete texture.
step 5 of 13
i made another selection of the concrete a bit bigger then warped it some and used the smudge tool and the eraser to give it a rougher shape. i used the match color on the last selection, and on this one but upped the luminosity on this one. i set the blends to soft also.
hopefully this looks like a hand print.
step 6 of 13
used the hand/arm, placed the hand on the hand print
step 7 of 13
made some copies of the sleeve and lengthened it
step 8 of 13
added the ring from the source to the finger
step 9 of 13
added a stone from the source to the ring.
i used transform and perspective and tweaked them
step 10 of 13
made the bracelet out of a ring from the source image
step 11 of 13
copied one side, flipped it and put it on her arm
step 12 of 13
changed the blend mode on the bracelet to hard mix, added a stone from the source image and gave it a drop shadow