Move text closer (Upwards) to the render, make it a bit smaller and more spaced out, also im not big on users putting their name in the corner of sigs but that may just be me.
After you've created the text, place the picture layer over the text, now go to the layer and right click, and press "create clipping mask".
that should be it.
and topazlabs.com
and there is a keygen in gfx help i think.