I created a new file making it 8X12 in size. I then took the coin’s photo and scaled it to fill the background. I used the magic wand tool on both the $20 bill and watch by selecting the white area, and then selecting the inverse. I tried doing the same on the clock, but it wasn’t getting the border right, so I used the magnetic lasso tool instead. After pasting the clock photo onto my image, I used the rotate option to make it straight up and down. I scaled the $20 bill and rotated the watch until I liked their placement on the image. I added a Drop Shadow, Outer Glow and Bevel and Emboss to the clock and watch, as well as a 10px black border to my image. I duplicated the $20 bill layer, and then used the Dust & Scratches filter, combined with the Eraser tool and Clone Stamp tool, to help get rid of the scratches on the $20 bill. Words were optional on this, but I thought a bold statement of the image would be good. So I just bolded the Bookman Old Style font, and used green (for money) as the color. I finished the words off by adding a Drop Shadow and Bevel and Emboss on it. I wanted the wording to stand out and get your attention, so I changed the Opacity level on all of the imported photo layers. It looked best with the coins being the lightest, so I set its opacity to 35%. 70% looked good for the clock, watch, and $20 bill, but since I had a few layers for the $20 bill, I had to change its opacity to 52% so that when they’ra on top of each other the don’t look too dark.

This looks really good. Your text stands out well. All of your edges are very clean. You can't tell at all that these came from separate images. The only thing I can criticize is the opacity. It seems a little to see through to me. If that makes any sense. Otherwise I think you did awesome!!!
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