Well what could be simpleror better than this...FotoTagger... it is FREE FREE FREE but it is great to add text or annotate and even put multiple annotations on the pic, for instance to name parts of an item. It does it the way you want. I use it quite regular and am extremely happy with it.
Here is the link to the site that even has a forum etc on it for the program and its users http://fototagger.com/
Happy texting
Rick
