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this is not difficult, but I'm not sure how to make this correctly: want just place my text over an image(jpeg format). I've confused with layers and foreground. PS7.0
Open the image in Photoshop. Click on the type tool and click the type tool somewhere in your document you want text. When you get the cursor, begin typing. When you're done typing, click the done checkbox.
That's it. Take a look in the help files and documentation for the program and it will give you all of this information as well as many more details of what you can do to fine tune things like font and text size.
Where is 'done' checkbox? Is this symbol at the top called "Commit any current edits"?
I get 2 layers: one is background(image itself), second is my text. Should I flatten image then?
Yes, it`s the check mark that reads Commit current edits.
It`s not necessayry to flatten. In fact, leaving the Layers active and savinb the PSD gives you the option of making changes later without rebuilding the entire file.
I have no original PSD file, its jpeg. So there's a sense to flatten, I think? ' To position text precisely: is the 'Move Tool' right tool for?
I also looking for tutorial for creating two text effect like this in PS7.0:
The one effect called gradient, it seems. Second is shadows that are made with blending options/drop shadow. Or, better, two effects in one text: gradient + shadow.
using checkbox symbol is much more handy than use numerical keyboard.
I disagree with you, because the more you use Photoshop over time, the more you tend to use keyboard shortcuts and the enter key (pretty large too) on the numeric keypad is just beside your mouse if you're right handed and all the way in the bottom right corner, can't be easier than that in my opinion, but feel free to differ.
But that?s not the issue here; you said you couldn?t find the ?done? box, so I?m giving you an alternative, which is better than having no alternative at all don't you think?
I have no original PSD file, its jpeg. So there's a sense to flatten, I think?
If you`re putting text over an image in Photoshop, that is a .psd, and the .psd I was refering to that does not require flatening. If you save the .psd with alll Layers, it will remain editable.
Yes, the move tool is a way to positing text precisely. You can also select the move tool and use the arrow keys on your keyboard for even more precision.
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Does someone know good way create gradient and blending options/drop shadow text effects?
Strangely enough, it`s called Blending options, or Layer Styles. After you are done positioning your text, double click on the Layer in the Layers Palette and experiment with the options shown.
How place text over an image 
Linear Mode
