1. take an photo image - any image will do, but the "busier" the better. Go to Morguefile.com and you'll have an awesome variety to choose from.

2. Open up your image in PSP.

3. Go to Colors and apply these settings:
Hue: 43 Saturation: 0

4. Go to Colors >> Brightness/Contrast (Ctrl+B) and play around with the brightness and contrast settings. I have mine set to the following:
Brightness: 60 Contrast: 90

5. Now start a new document by going to File...New... (Ctrl+N). Select a font (nice and chunky for mine - Arial Black). Set your foreground and background (both) to black.

6. With your text tool, set your stroke to 2pts. and type your text. Right-click on your vector layer and duplicate it. Then hide your original vector layer.

7. With your duplicate layer, double click and turn off your stroke. Then convert your duplicate vector layer to a Raster layer by right clicking on it in your layer palette or going to Layers >> Convert to Raster Layer.

8. Still on your duplicate layer, go to Selections and choose Select All, then Float your selection (Ctrl+A & Ctrl+F).

9. Go back to your photo image. Copy and paste it as a new layer right above your text. Activate your new layer by clicking on it in your layer palette.

10. Now play around with the positioning of it. Use the Selections Marquee to guide you. Once your happy with the positioning, go to Selections and Invert (Ctrl+Shift+I) and press Delete on your keyboard.

11. At this point, you can Un-hide your original vector layer. Then right click on any of the layers and choose Merge...Merge Visible... OR you can add some color by following these steps...

12. Activate your original vector layer and duplicate it once more. Move your new duplicate layer to the very top of your palette (above your photo image). Right-click on your duplicate layer, turn off your stroke and choose a fill color that you like. After you've filled it with your color, Change your blend mode to something other than Normal. I've changed mine to Multiply. Just play around with the blend mode until you're satisfied.  Click here to see some what I came up with just by playing around with the blend mode. =)