Yes, saharika, i realise that the three steps are required to perform this blending. But there are many who are very new to photoshop and I like to make my tutorials as simple as possible. Also, Many know how to blend images, but don't realise that changing the blend modes gives the image a whole new look.
Also, if you search, this tutorial is listed on Good Tutorials. So far I have gotten about 7-8 tutorials listed there, some are hosted on
Angel graphix