Sweet Jimmy do you have PhotoShop or Paint Shop Pro?
You do? Cool, then this will be easy.
I believe in PhotoShop 5.5 or lower you could just go in to layer > options > layer effects > drop shadow. (Or something along those lines it's easy to find just snoop around for it.
In Photo Shop 6 you double click on the layer ( the one you want to add the shadow to) in the layer menu on the left side of the screen. That will open a window called "layer style" select the highlight button, and experiment with the settings.
In Paint Shop Pro, it's a little different. You need to go into Image > effects > drop shadow. Again, experiment with the settings.
For both programs it's best to start by adding and manipulating your photos first. When those are set the way you like them, add a new layer and add your text to that new layer.
Both programs are layering programs, use that to your advantage.
Once you've created your text and flattened it to your clear "text-only" layer it's easy to manipulate.
If you still need help let me know, and I'll create a visual tutorial for you.
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