i use picasa tool. if you have google account, you can generate picasa album on the web.
http://picasaweb.google.com
once you are there, you choose to picture to edit. click on "actions", from the drop down, choose "edit in creative kit". this takes you to new screen.
you can do all sorts of things.
click on "text". choose font, and text you want on the picture.. edit on the new pop up box.. save it and you can download to do what you normally do at the forum.
