I like P13M13HH but they all look great!
If you don't want to wait until you can find a good price on photoshop you can try Gimp. It's free and has a lot of photoshop like features. It's what I used to watermark my pictures until I was able to get photoshop. Tons of tutorials all over for making different kinds of watermarks in it.
http://www.gimp.org