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Add text to photo – save the updated photo as .jpg (or other) file type – Microsoft Publisher 2013, 2016, etc. This also works for Word 2016, etc. (note: not as easy – i.e., may need to “Bring to Front” to see grouped text).
“Group” the picture and text; right-click on the picture portion (i.e., not the text box), select “Copy”; deselect the picture (important!) and then select “Paste”; right-click on the picture portion, select “Save as picture…” and choose jpg (or other) as the file type.
Note – to edit text: select Format (under WordArt Tools ribbon tab), and then Edit Text (on…