Originally posted by Karen
It seems like you are needing to use layers. Make an RGB blank image the size you want your final to be, then fill it with a color. That will be your background. Any pictures, graphics or type you want to add, you can "cut" from their individual files, and "paste" onto your "banner-size" document. Then you can scale them down to fit, if they don't already. To move them around, you need your "layers" palette open, find that under the "Window" menu over toward the right side of the menu bar at the top of your screen.

Any type you ad, and any thing you past in, is automatically in it's own layer.

At the end, when you have everything just the way you want it, save it once as a Photoshop file, and then "save a copy as ..." and do NOT include layers, for your flattened jpeg file.
Ok, Thankyou so much Karen! I'll go try it out in alittle bit Thankyou so much for your help