I use Photoshop to add watermarks to photos. Using layers and transparency. I assume any photo-editing program and possibly a good word processing program can do it. There are also online services that will do it. https://makewatermark.com/
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Raina Accardi 
Saugerties, NY
RAgenealogy@...
Poland: GEVIRTZMAN in Kobylin; JESINOWITZ/YESNOWITZ in Mszczonów; FELSENSTEIN in Parysów.
Belarus: GUTTWOCH/GOODMAN and ZISSERMAN in Volchin; BUSHMITZ in Vysokaye.
Ukraine: TRAUB and JANOVSKY in Kolki, Sofievka, Radomysl, and Zhytomyr; WEISMAN or ROSENBERG.