Here is another Lesson I’ve learned in Photoshop. I’ll Call it “Combining Photos and Text”. This is not a tutorial. I would just like to document the steps by steps to do the “combining process” so I can always go back to it if I have forgotten the procedures.
If you think this may help you to do the same, especially the beginners – feel free to do so. I am happy to share this with you.
Step 1: Open an image or a photo in Photoshop /Duplicate the layer.
Open image
Step 2: Hit “T” on the menu for Text / Type the text
Step 3: Move the text to your desired position on the image or photo/ Apply a warp text if desired (I used a “flag warp” on this text).
Apply warp (Flag) on the text
Step 4: Position the text layer between the 2 photo layers
Step 5: Make the original Photo layer invisible. Activate the Text layer. Hold Alt key and the space/line between the upper photo layer and the text layer to join the 2 layers.
Position the text layer between the 2 photo layers
Step 6: Apply effects on the text layer (fx) . Apply bevel & emboss (experiment how you want your text to look or appear. Hit ok
Apply Bevel & Emboss
Apply Bevel & Emboss
Step 7: Activate the original layer or background and Create a Layer mask
Step 8: Experiment with different effects. Do this on the Layer Mask (In this illustration; layer mask was inefective because I decided to apply effects directly on the image).
Step 9: In this image, I decided to apply Filter – Blur – Radial Blur (position the center on the desired spot of the text.)
Step 10: Save the image if you are satisfied with the result.
Have a nice day and God Bless!
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Philippines: "The beauty within" 
If you’re still on the fence: grab your favorite earphones, head down to a Best Buy and ask to plug them into a Zune then an iPod and see which one sounds better to you, and which interface makes you smile more. Then you’ll know which is right for you.
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Apple now has Rhapsody as an app, which is a great start, but it is currently hampered by the inability to store locally on your iPod, and has a dismal 64kbps bit rate. If this changes, then it will somewhat negate this advantage for the Zune, but the 10 songs per month will still be a big plus in Zune Pass’ favor.