Well, depending on what is your first language, I bet you could find a translation out there. But just to help you out right now...
To put picture Im guessing you mean like an anime picture or something. Open it up in photoshop and drag/move it to the document(window) you want it in. To add text, just click the big T in the tool box, then click wherever you want the text to start in the image and type away. If you want to move it, you can. Just click the move/drag tool and move it around.
Hope its clear the way I wrote it.