the best program you can use for this sort of thing is Adobe Photoshop, although Corel Draw comes pretty close (however, I am more familiar with photoshop)
to add text onto a picture in photoshop, just open the picture in the program, u can just type "t" for the shortcut for text, but u can also click on the icon on the left with the letter "T" on it. Then click and drag it to the size you want. Then u can type in your text. u can edit the font, size, colour etc on the toolbar. After that, just click the move icon or shortcut "v" to move the text to wherever you want it to be.
if u don't understand my explaination, maybe this will help more.
http://www.ehow.com/how_6387_add-text-picture.html
http://www.ehow.com/how_2110448_add-text-image-adobe-photoshop.html
and the official photoshop tutorial http://www.photoshopessentials.com/photoshop-text/text-effects/image-in-text/
hope this helps!