Well this is fun! Andy's new issue of PC Magazine came with an article about great stuff on the web, and I tried two photo editing sites, both free. Citrify.com is super simple but as far as I can see, you can't even crop-- but it does let you fix your photos quickly, and the people who run it seem nice young starteruppers. I liked better Photoshop.com which requires a sign in name, email address etc. (but still free), and some learning curve, probably things you can't do on their (Adobe's) latest, but very usable, and I can see I'll be able to do what I want to do quickly. I may be able to do without my incredibly clunky old Photoshop 4 that probably won't run on whatever operating system I get next.
Anyhow, Photoshop.com saved full size (too big!), thumbnail or "websize" as below. Writing text was super easy, once I figured out that you made it smaller by resizing the box.
Is this the Cloud??