Thanks themumu. I got the autofill added to my toolbar but it won't do anything. I get a popup that says "AutoFill was unable to complete the form". I'll have to keep playing with it.
many photo editing programs like Lightroom and Perfect Photo Suite will let you a text watermark on a photo. Good photo editing programs plus graphics programs like Pixelmator will let you put a layer over the photo and add text in the layer.