How I Made My Own Book cover
My husband posed for this picture and we worked with it on the old version of Windows. ('93, I think)
Download your picture into HP Photo and Imaging. Click on 'Annotate.' A bar will drop down, click 'text.' A box will appear. Type in your text and click 'okay.'
Now, if you right click on that box, you can change font and add a background color. If you want more text in the same box but with a different font. Simply create a second text box on top of the first but don't choose a background color, stick with 'transparent.' This will allow the first text to be seen, as well as the second.
The way I got the yellow to appear around the brown was with more text boxes. I just deleted the use of words but chose a color.
I hope this helps you. If you have any questions, don't be afraid to ask.
If I self-publish, this is what I plan to use.