If you don't want others to use your photos and images without your permission, you can create a so called custom watermark with your name or any other text you want.
Remember the legendary Predator movie with Arnold Schwarzenegger? Those Predator aliens had this thermal view feature so they could their prey even in complete darkness, let's Photoshop it.
Microsoft Word allows you to add the comments to text, images or basically anything included in the document. It's a great way do review a document and suggest the changes that should be made.
The Flash text object lets you create and insert a Flash SWF file that contains just text. This allows you to create a small, vector-graphic movie with the designer fonts and text of your choice.