Go to  http://www.creatingonline.com/online_image_editor/index.html  and click on the top right hand side - "Load Image Editor". On the next page, click on "browse" and find your image, click on the image name and then click "open".

Now click "upload" and wait for your image to appear. When it does, click on "insert text" and when the box appears, type your text and then choose your font, size and color.

You will see your text on your image so that you will be able to adjust any of the settings that you have picked easily. Just keep on clicking until you get it just the way you want it, then move your cursor over the text and left click and hold and move it anywhere on the image.

When you have the text placed where you want it, release your left click hold. The great thing is - if you don't like that spot, just left click, hold again and drag it anywhere else on your image. You can also still change the other settings - text, size and color.

When you have it just the way you like it, click "apply" and wait for your new image to appear. Then, right click and save it to your computer!

It just can't be any easier!!

Don't forget to check out their other options of cropping, flipping, optimizing, etc. You can also make banners, 3D text and the list goes on and on! Truly a great site!