Morning Star wrote:
I use Photoshop Elements, and it is easy as can be to put text directly on the photos.
Or to make a "text image" on a transparent background and place that on the photo (drag and drop, then resize to make it suitable size for the photo).
Or to make a brush of the text and simply place it on the photo. Where you want it, in the colour you want and in the size you want.
Ditto.