How to make water droplet effects? - photoshop tutorial

WATER DROPLETS:
1. Open an image file, add new layer above the image layer.
2. Select a brush or you can select an elliptical marquee tool and filled with black color. Deselect the selection.
3. Right click on the new layer>blending option(blend option default>decrease the fill opacity to 3).
4. Now click on DROP SHADOW mode. Settings as:
    Structure:    Multiply
    Opacity:    100%
    Distance:    1 pxl
    Quality:     Gaussian curve

 Check ON INNER SHADOW:
    Blend:        Color burn
    Opacity:    43%
    size:         10 pxl


 Check ON INNER GLOW:
    Blend:        overlay
    Opacity:    30%
    click the color button and select black color


 Check ON BEVEL AND EMBOSS:
    Style:        Inner bevel
    technique:    chisel hard
    Amount:        250
    Size:        15
    Soften:        10


 Check ON shading:
    Angle:        90 degree
    Attitude:    30 degree
    Highlight opacity:    100%
    Shadow mode:         color dodge
    opacity:        30%
5. After blending mode use liquidify if you want. For that goto Filter>Liquidify.