The first column has no layers added to it. The second column has has a layer of the model (the same image as the base layer) added to it. The next column has an inverted image of the model, the next: the dog/cat image, and so on.
Each row has a different layer effect on the top layer. I included 'normal' so that you can see what each top layer looks like without any layer effects done on it. 'Disolve' is at 50% opacity since at 100% opacity it doesn't do anything. Every other row, each top layer is at 100% opacity.
Made using Adobe Photoshop CS2, but I think this would be helpful for most other graphic programs, too. I remember looking in the memories and not seeing anything like this so I hope others find it useful.