|swollenolan, I use a freebie program called 'Irfanview' (excellent graphics proggie! Get it @: http://www.irfanview.com) to do what you describe. Suspect you can do the same with 'Paint', but dunno, never tried it.|
First open the picture, copy the desired text to put it on your clipboard, then define the area of your picture where you'd like the text to appear (creates a box on the pix), then under 'edit' insert text (Ctrl+V to paste the clipboard into the text menu). You will have a menu which allows you to select font and color. Once satisfied, OK, then simply save your masterpiece somewhere and make it your sig (you can have more than one).
Ed in Texas.