WOW! There are so many great FREE photo editors online lately! I re-did the masthead on FOTOFLEXER cuz they offer re-sizable 'decals' you can stick on a photo or, like here, on words. The font is also something I found there.
Another free program I like is PICNIK --it's done with humor, and has a LOT of really cool possibilities like making a color photo into a B&W line drawing, and then, leave one area of the pic in color, not to mention the hundred other things you can do!
Larry sent me one the other day called SUMO which seems to do almost all the stuff Photoshop does, only in a simpler way. You can smudge an edge with any one of LOTS of 'brushes' (the fancy term for the shape the cursor takes), and just re-size 'em for different effects.
Gawd, I think I have 8-10 different photo editors in my "favorites" file. Each one does something better than the others, so mostly, I start on one program and take it to another for tweaking, and then another to add an edge or re-size it. I definitely use PAINT (my quick workhorse) and PAINT.NET , too since I'm most familiar with them.
They all take a few seconds to load (except PAINT)...but they offer so much FUN, it's worth it!