picture in text photoshop

 

to create this image I first added the text and then rasterized it so it became an image, I then used the magic wand holding shift to select all the letters. Once I had done this all I had to do was special paste into an image creating a clipping mask.

I then created a reflection by first grouping both the image and text layer together, and then duplicating the layer, I then flipped image and skewed it using free transform, and finally i used the gradient tool to get a kind of fade effect