This effect is called "water swirl." from Pixlr.

I love, love, love this effect from Befunky. It's called "underpainting."

Beautiful effect from Befunky, called "motion color."

Trees underwater with "water effect."

Bare trees and moon "in the glass." This effect is from Photo Brush
5.

Solarize effect. Love this one!

This is a raindrop texture from Picnik. I also saturated the color
in this picture using Picnik as well.