I never really wrote a photoshop tutorial before, but there's first time for everything, hehe.
It's pretty basic, yet useful for some members.

Lets start.

1. Open your image

[img]http://img23.imageshack.us/img23/3324/kcbi.png[/img]

2. Add a text to your image

[img]http://img802.imageshack.us/img802/8181/bllj.png[/img]
3. After we do that, we need to double click the background layer to unlock it, so we can move in on top of the text layer. This looks like this.

[img]http://img845.imageshack.us/img845/1043/1hpg.png[/img]

The text will become invisible, but don't worry.

4. After we're done, right click on your image layer, not the text, and select "Create Clipping Mask"

[img]http://pe-images.s3.amazonaws.com/basics/clipping-masks/essentials/layer-create-clipping-mask.gif[/img]

5. This will be our final result. Note: I have added a new layer with the Hack Forum's background color so you can see the text better.

[img]http://img69.imageshack.us/img69/7587/8dd5.png[/img]

You can play around with it, adding special effects, and other stuff, and make it look even better!

That's it, guys! You made it!
Thank you for reading this tutorial!