Software Program

What is a good photo software program for adding borders and text to photos?

Help, please. I need a good but inexpensive (or freeware) photo software program that adds borders and text to photos. This is for setting up ebay pages. I am new to it but want to get started and would love to know how some sellers pages look so good. I thought I’d try to figure it out for myself. Thanks in advance for any help!

Less expensive than PhotoshopCS2 would be Photoshop Elements 5.0, can be found for under $100

“This Life” is the Greatest Software Program ~ Mooji