Hi Leon,
Just to throw another one at you...
I use Faststone Photo Resizer, from...
>
http://www.faststone.org/
An excellent, free program that has a few neat features, like adding text,
a watermark at any visible level etc etc.
Might be a little easier than creating a layer etc in PS.
Give it a try.
Did I mention, it's free?
Oh, & it also resizes as well.
Regs, Laurie..