This example is about a water drop effect on the leaf, you need not worry about a water effect on the any place because I have made this example that will help you surely to make it.
Open A File: First you have to open a leap picture to show a water drop effect on the leap as I have this image.
Selection: Choose Elliptical Marquee Tool (M key) and make a selection like a circle, copy of the selection and take a new layer then past it at same place.
Inner Shadow: Go to Layer Menu > Layer Style > Inner Shadow and adjustment the settings.
Drop Shadow: Go to Layer Menu > Layer Style > Drop Shadow and make adjustment.
The image should be similar as given below.
Lens Flare: Go to Filter Menu > Render > Lens Flare and make adjustment to give shine effect.
Shear: Go to Filter Menu > Distort > Shear and make setting to change the shape.
If you are facing any programming issue, such as compilation errors or not able to find the code you are looking for.
Ask your questions, our development team will try to give answers to your questions.