Hi ladies! Here I am again asking for help

okay.. thanks to all your help I have finally gotten the jist of templates. I found a really nice one at the SBB store. I downloaded, opened it up and put in my pictures ( I even used my magic wand and it worked

) anyway.. there is part at the bottom where you add your journaling. This is what it says:
"to use this text path, select your text tool, highlight text, delete, and begin typing your text. You can change font, size, color, add layer style, etc"
Okay, when I try to do that.. I select my text tool but I don' t know what to do after that? I tried deleting the layer and when I added my background color and then went to add text, the directions showed through... I can't figure out how to get rid of that text so I can do mine.
Also, can someone tell me how to include a screen shot on here. I feel that if I do that then maybe it would help with my explanations. I have a program but it doesn't allow me to paste it here!
Thanks bunches
