annt59, the way I put the text on my pictures is on my computer. I open the picture file and first resize my pictures to 'small', then I click on edit. When the editing page opens, I click on the text symbol and choose a color, size and thickness of the line, and then click on the bottom of my photo for a 'field' to open. I type what I want to say in that field, then click on Save. I can then upload the photo with the writing on it.
I was inspired to figure it out by Terri's nice photos that always have the names on them. I'm sure it makes it easier for Janice to put them in the right place in the gallery.