By the way, here are the instructions I've been using to make the reflection that I posted.
The only step I don't do, is the last one. I do it from time to time, but not all the time.
Water Reflection Instructions
1. Use the marquee tool and select an area around the aircraft and place the bottom portion slightly below the wheels.
2. Then go and Copy that layer, Paste it and then choose the Free Transform tool. Pull down on the top, middle square while holding the shift button and flip the image to about half the length of the original photo.
3. Then go to Filter, Distort, Ocean Ripple and make the ripple size large and the ripple magnitude small.
4. Then go to Filter, Motion Blur, and set at 90 degrees.
5. Then go to Filter, Smart Blur, Radius at 14.1 and threshold 10.9 with a quality setting of high and a mode of normal.
6. Use the Gradient Tool from bottom to middle of the reflection with a simple black to clear pattern.