there is a certain very clever and funny poster here (Roan)
who, if you'll notice the very clever and funny pictures he sometimes posts, uses Microsoft Paint to put the letters right on the juicy photos (before loading them up into PhotoBucket)! I'm told, for all his other purposes he uses Microsoft Photo Editor, it's very simple to use for his pea-sized and 2D obsessed brain!
In using Paint: use the letter tab, then make the background clear, then pick the color of your letters... and skewer away! Kind of hard to explain in writing... I'll send you a PM with Roan's phone #....
you're not OSA are you?
Roan says to use Mic. Ph. Editor to resize your photos so that they fit on posts. I don't know like, 500 X 800 pixels?? I think that it still large but does not make the thread go off screen-right.