Just thought I'd share what my favorite apps are to make thumbnails. Typorama has some GREAT fonts. AND IT IS SO EASY TO USE. It does however have a little watermark at the bottom that you can pay to remove or easily hide with a colored border around the photo. And then I use Enlight, also super easy to use, to create the colored borders. I've tried using photoshop before or other apps, but this is the technique I've found that works best for me.