How I added the text - PhotoShop
Hurley,
I have an old version of PhotoShop frrom when I worked in graphc-arts... Using it, I created an image that is a simple text-layer for starters, and then put it aside.
Then I look through the pics on my camera, and when I find one I want to post, I'll crop it, resize it, then (this is really WAY too easy) I can "drag and drop" the text layer from the template onto the resized picture. Once this is done, I turn on the "drop shadow" effect on the text layer, drop the opacity (I did 74% on all the other shots, but felt it was a little strong, so I went to 60% with this shot) and finally, I position the text in a spot that I hope leaves the best parts of the picture unobstrtucted.
The final step is to simply flatten the image so I can save it as a JPEG. Viola'!