[RoadGumby]

Excel can work with that one

[doodad]

Word can do that too.

[listenhillary]

IrFanView

Pretty easy to insert text once you figure out the font size you need in relation to the size of text box.

[listenhillary]

Forget my post. You need to position them on a page. Sorry.

[Revolting cat!]

You’re gonna spend $799 for Microsoft Office as suggested? Google Docs (now perhaps called something else) will do that for ya for free!

[Ray76]

libreoffice.org

Works well, handles MS documents, no charge, runs on multiple platforms.

[dragnet2]

Forget photoshop...

Ya need to take a loan out on your home for that.

[oh8eleven]

If you're just positioning a photo and adding text, I suggest MS Word ... or the freebie equivalent - Open Office
If you want more photo editing capability, try PhotoScape - free.
If you want a real challenge - Photoshop CS2 is now available for free. (Look down the page for D/L file and serial number.)

[Inyo-Mono]

Microsoft Publisher works great for that. Easy to postion and size pictures and make text boxes wherever you want to put them.

[yarddog]

Unless you are a real pro I would suggest one of the earlier version of Photoshop Elements.

I have seen them on ebay for at or below $30.

[yarddog]

It is pretty basic but Picasa is free.

[Utah Binger]

I like Photoshop Elements for what you are describing. You can get it for under $100 and can take care of almost any of your needs. I had been running Photoshop 7 for several years on an old computer but bought a new laptop and couldn’t believe how much they want for that so I bought Elements.

I also use Microsoft Publisher quite effectively as well.

Virtually every image on this website has been massaged in one way or another with both Photoshop and Elements.

http://www.thunderbirdfoundation.org

[Pafreedom]

google up gimp.....opensource photoshop type program

[Incorrigible]

Yes, Microsoft Office would be the best way to go.

You can get all the Office applications as part of a subscription for $100/Year for up to 5 PCs. So $20/year per PC and you have full Microsoft Office.

http://office.microsoft.com/en-us/

Would rather buy than subscribe? You can get Office Home & Student 2013 for $140.00 (street price less)

http://office.microsoft.com/en-us/home-and-student/

OK. Still not cheap enough.

You can use Microsoft Office for *FREE!* Yes Free!

http://windows.microsoft.com/en-US/skydrive/download

And store up to 7GB for FREE.

All of the above will synchronize with the cloud and allow you to access your files on PCs, tablets (Surface, iPad, Android), and SmartPhones (Windows Phone 8, iPhone and Android)

FReepers don’t let FReepers support Google!

[Oratam]

B4L

[Ouderkirk]

MS PowerPoint too.

[jiggyboy]

Good old Microsoft Paint will do fine, and it's already on any Windows computer. Here's one with two pictures and two kinds of text I did a while ago:

[Jack Hammer]

Adobe Photoshp Elements - reasonably priced and more features than you’ll ever use.