Text-related question...

Hi, everyone! I just joined and am glad to meet everyone! Ok, I checked the memories and although I may have completely blanked on one, I'm pretty sure I couldn't find the answer to my problem. I need to know how to make the text behind a picture. Not to make it disappear anything, just to make the text appear as though written behind the picture. My second question, though related to the first, is how do I do that with a text image that has color? Is there a way to do that? I can elaborate if I didn't make myself very clear. I have a tendency of doing that. Thanks!
~Samantha