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Step 1 : Open an image. Place it somewhere on top and have enough place to but another picture below.
Step 2 : Open the same image again. Rotate picture2 (ctrl+T; free transform) and transform it horizontally (image>rotate canvas>flip canvas horizontally)
Step 3 : Select picture2 and go to Filter on your menu bar> distort >ocean ripple, and press ok.
Step 4 : Now you will have an image that has a water reflection. What we want to do next is to have a light effect that concentrates in the center of the whole image. To do this go to your top menu bar, Filter> Render> Lighting Effects. Under Lighting Effects on Style select Soft Omni>OK.
Step 5 : Do the same for picture 2.
Congratulations! You have achieved the reflection with ripple and lighting effect in Photoshop in 5 simple steps!