I've been having a blast for the last few months editing my photographs with Picnik.com.
I just have the free version (but am seriously considering the full version!) and have been adding fliters, layers and text all in a completely simple, user friendly format. (No, I'm not getting paid by them, just LOVE the program... and that it's FAH-REE!!)
A couple before and afters for you (from the new BASIX OOAK outfits coming soon to eBay).
Quite a few layers of filters for the picture effect,
and added text.
More layers and text!
If you haven't tried it, you should.
Totally user friendly and free!