Re: Which Program?
Hi and welcome to the forum. There are programs like Adobe Photoshop or Paintshop Pro, a bit more complex but does a fine job, that will do almost anything with a digital photo. As simple as a program can go would be the Paint program found in Window's Accessories folder. Or what I like to do is to use Microsoft Word because it has all that neat stuff from the Drawing Toolbar.
*Fact: Microsoft Window's Blue Screen of Death vs Computerforums.org's White Screen of Death. Which is worse?