How can I linearly combine 2 photos Or a photo & text .....pl read details ....?

I'd like to know of a good, easy practical app that will allow me to combine 2 or more photos in linear fashion And more importantly, add text beneath, on a colored background, with my choice of font(s).

Something like this, but with text too : http://pinterest.com/pin/431501208017550807/

Or something more like this, except that I'd like color in the background : http://pinterest.com/pin/563794447071404535/

(( Or I could do this on my PC? If so, what file format should I use & how to go about it - some basic tips?))

I take photos taken on my android phone. I'd prefer to Type out the text on my PC as a Word doc [Windows 7]. Then upload photo to PC & combine the 2. [I hate typing out long sentences on the mobile].

Also, I'd like color for the textual background, not plain white. You know how text on MS Paint leaves white spaces within letters...ugh !

Once I create such pics, I'd like to upload to pinterest...hence the need to have an image file format.

I also understand that one can probably use a PC photo program/editor ....but I can't seem to find any on my current listing of Windows programs. [This was updated over a year ago & I haven't needed to use it since].

Which would you recommend - Instagram, flickr, tinypic, photobucket, tumblr.....that would be compatible & easy to use, with both my android & Windows? Preferrably free, with choice of fonts

These are very basic Qs, but I'm missing something that's driving me nuts....Please help with tips & suggestions or some tutorial sites.

If any more details are required, let me know ...

Thanks in advance, for taking the time to read & hopefully answer :-)