First thing we need to do is go to file->New then make the size Width:400 and Height: 400, And click Ok.
Then we select the gradient tool(G) and make some color of the page.
Now take the text tool(T) and type your word in like I do(World).
And now drag your image in to the page where we have the text.
The last step is to right click on the layer 1 where the image is (the imagelayer), and then create a clipping mask.
And now you are done
![2n0snqq.jpg](http://i40.tinypic.com/2n0snqq.jpg)
Then we select the gradient tool(G) and make some color of the page.
![2ppbqqw.jpg](http://i40.tinypic.com/2ppbqqw.jpg)
![2s9t6xw.jpg](http://i42.tinypic.com/2s9t6xw.jpg)
Now take the text tool(T) and type your word in like I do(World).
![28ls6dt.jpg](http://i43.tinypic.com/28ls6dt.jpg)
![2vn5soo.jpg](http://i41.tinypic.com/2vn5soo.jpg)
And now drag your image in to the page where we have the text.
![2qusprt.jpg](http://i39.tinypic.com/2qusprt.jpg)
The last step is to right click on the layer 1 where the image is (the imagelayer), and then create a clipping mask.
![nybprc.jpg](http://i43.tinypic.com/nybprc.jpg)
And now you are done
![n5pgrt.jpg](http://i41.tinypic.com/n5pgrt.jpg)