Add text to a picture

davidp75010241 , did this solve your problem?

Point is a physical size unit. One point is 1/72 inch.

This means the ppi (pixels per inch) setting matters. In a 72 ppi file, 12 point text is microscopic, especially if it's a big file from a modern camera. In the same file at 300 ppi, 12 pt text will be a lot bigger (but still pretty small).

Are there layers above your text layer hiding the text in you text layer.   A  screen capture would be helpful showing image and layers palette.

Please check if the text layer is above the picture layer or not.

Then check the color of text, the text size, effects, transparency, etc..