Make a new 11inch x 8.5 inch document in Photoshop
Using the Type Tool (the big T in the toolbar), drag a text box with your mouse the same size as your page
Hit delete to get rid of the Lorem Ipsum type
Write a city, town, or country you'd like to visit someday
Use a FAT FONT like Impact
Search the internet for a photograph of that place and save it
Click File >Place Embedded and place that photo ABOVE the word you typed
If you would like a solid color behind your word, click the small black and white circle at the bottom of the layer panel and choose solid color.
If you would like a photo behind your word, download a second photo of that place and File>Place embedded again.
Click your word, and then click the FX button at the bottom of the layers panel.
Choose Stroke and choose an outline color, and a DROP SHADOW.
PUTTING A PHOTO INSIDE A SHAPE
To access the shape panel: Window>Workspace>Graphics & Web
Download a shape or use a photoshop shape
File>Place embedded the shape into your photoshop document or draw a photoshop shape
Make sure it is transparent in the background: Hit remove background if you need to
Place embedded another photo ABOVE your shape layer
Right Click on the name of the photo layer and Click Create Clipping Mask