#1: Transparent text
First, open your chosen image in Photoshop.
Then, click on the Background tab in the Layer box and hit Ctrl - J to copy the layer.
Next, add a new layer (Layer > Add New) and add a box, setting the opacity, in the Layers box, to 70%.
Now drag the text box between the two background layers and uncheck the Background Copy, like so:
Now add another New Layer, and add some text. Now lock the Background layer, like so:
Clicking on the copy of the Background, select Layer from the top menu and select Create Clipping Mask.
Now check the Background Layer once more, making it visible - job done!
#2: Keeping it simple
An effective and simple way to display test on images with a centered focus is to center the text above or below. If you follow any foodie boards on Pinterest you might have seen a fair bit of this of late as it seems to be popular at the moment.
#3 Coordinating colour blocks
Bright and beautiful, this way picks out a prominent colour from the image and uses it to grab attention.
Open your image in Photoshop and create a new Layer (from the top menu pick Layer > New).
Now using the Eyedropper tool, click on a part of the image that you want to pick the exact colour from. For this example I chose the pink from the hyacinth.
Now using the Rectangle tool, create your block, it'll automatically fill in the colour that you just selected.
For my example I created another Layer after that, and added a white line alongside the colour box, using the Line tool.
Finally I added some text and job done.
#4: Semi opaque overlay with colour coordinated text
Using some of the techniques shown above, I created a new Layer, added a circle to it, using the Circle tool and set it's opacity to 70%. I then added another Layer which I added text too. I used the Eyedropper tool to pick colours form the photo itself and changed the text to match.