Overlayed Text
Overlayed text is a kind of text effect which may look really cool on some layouts:)
Step 1: Start by opening your picture/layout in Paint Shop Pro. Here's mine:
Step 2: Then use the
text tool, which looks like this:

, and write whatever you want in
white.
Step 3: Now go to
layer >> properties and set the blend mode on the textlayer to
Overlay. Then you should be finished. Here's my result: