Go to Photowriter.org and click on the pencil. Now edit the text and press Enter. OK, was I the only one who typed something completely juvenile, just to see it show up on a picture in cloud font? Hmmm, maybe I was.
Photowriter is a free application developed by Deutsch Technologies GmbH that lets you insert text into your photos in weird, wacky, and supposedly photo-realistic fonts.
For example, if you had a wedding photo to send to someone, you could edit in clouds or stones in the background that spell out, "Hey Jacob! Sorry you weren't here!" The "Jacob," of course, can be replaced with any other name. The important thing to remember here is not which name you use, but that you can personalize your pictures with names.
I tried out the software and was impressed by its ease of use--once I figured out what the icons around the UI were for--and its ability to automatically warp the letters depending on the surface you place them on. Put a word on the undulation of a shirt, for example, and the letters warp (mostly) appropriately over the undulation.
It's a fun little novelty app whose usefulness is, I'm sure, directly proportionate to the amount of photo galleries and albums you create.
There is also a Pro version of the software available for about $13. The Pro version offers over the motif and font creation.