Good point! There is no 'how to' here. Having grown up with photoshop in my life, I do rather take it for grated that others already have it and know how to use it.

Have taken a screenshot of this conversation and put it on my desktop as a reminder to myself to make the 'how to' post. There are other (free) ways to create visual montages if you don't have photoshop. @chron did a post on this free software some time back I think...