This photo has a pair of adjustment layers and a filter over the image. On the image itself, I used the smudge tool to create the concentric ripples eminating from the boat. On top of that is the Sumi-e filter that fiddles with the detail (zoom in and you will see a thick line on the tops of the trees across the lake). One adjustment layer was used to improve the brightness and contrast, the other modified the color vibrance, primarily deepening the blue of the lake and sky.