Take it from Yogy Bear and Boo-Boo a Picnik is always a good idea.
Found this great site called Picnik. Just upload your favorite photo or one you are not to crazy about and edit away. Many options including Text, Stickers and Frames (see example below) can be found on Picnik. I started out with the free version and now have upgraded to the premium version ($24.95 a year). They have monthly and 6 months options also. Example below was all done with items offered with the free version.