This should be easy, but I have not used PS in years. I cut an
image that I want to impose over a new background. I have the
2 images but I can't combine them. I also want to add text
when I get the composite image. Help
 

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Answer from Richard Rost:

Take your background image and put it on its own layer. Put the foreground image on its own layer. Make this the visible, active layer. Now, using the selection tool of your choice, cut out (erase) the background elements from the FOREGROUND layer. Make both layers visible. Voila.

I cover this in my Photoshop 103 course:

http://www.599cd.com/site/courselist/photoshop/photoshop103/?key=BlFAlEx