Image overlay pattern comes in very handy when a website has a full screen image or a video as a background. Applying a pattern can make things more readable and easier on eyes. Let's Photoshop.
Let's create that simplified black and white effect on a photo using threshold adjustment and make a so called Internet meme or a motivational poster ready to be printed on an A4 size paper.
In Photoshop CS6, the new version of Photoshop, you can use special cropping tool and you are done, but that doesn't mean you cannot achieve the same result with older versions.