Using the Paint program, open up the file and then click on the Text box at the left of the screen. You will get a symbol that looks like a large cross which you then need to put where you want the watermark at, then drag it across the length of the picture. Then you type in your text. If you want to change the color of the text, way at the bottom to the left there is a color palette. Just click on the color you want & it will change your text to that color.
Hope this helps.
For printing purposes you can set the water mark thru Publisher or your printer settings depending on your printer type. I've added water mark to paper things before but have yet to do so to pictures. I have taken like stated above with the paint program and put my name on the bottom of every picture I upload somewhere on the net.
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