Open MS word to a blank page
Insert / Picture / from file
Click on the picture and resize it to whatever you want using the
handle on the bottom right hand corner
Insert / Text Box - click & drag where you want the text to appear on
top of your picture
Format / Text box
Under "Colors & Lines -
Select "No Fill" for Fill color
Select "No line" for line color
Enter your text - change font style font colour etc to what you want
Save / print the word doc
Hope that helps
John Allen