Adobe Photoshop can do a lot of different effects depending on the techniques used by the designer, and resources like textures or brushes can make them even better, but the first step is to know how to create some nice visual effects.
For example, this free online photoshop tutorial teaches how to create a realistic ripple effect in just a few steps, as it is a very simple technique to master, yet a very useful technique that can be used almost everywhere.
To create this nice looking image effect you will need to use some simple tools provided by the application itself, so you don’t need to download any additional resources or apply difficult image filters.
Link: Photoshop tutorial