1. Open up the stock image in Photoshop and duplicate the layer. On the top layer, you need to give a slight gaussian blur. Around 10 pixels should do it, or to your own taste.
2. Above these layers, insert a Chanel Mixer adjustment layer, and use settings similar to mine:
3. When you are happy with how the channel mixer has turned out, make another new layer above it. Edit > Fill and use 50% grey.
4. Filter > Noise > Add Noise. Make sure it is set to Monochromatic and Gaussian, setting the ammount to taste. I have used 20 in this tutorial.
