A great site to create text is:
The red selections to the right will give you many options. You can select from hundreds of fonts by choosing "more" in the font drop down window. Change colors by clicking on the colors. (A selection window will open). Membership is free in case you want to use a "members only" text.
My favorite site to edit pictures, (even moving .gifs) is:
They also have fun things to add to your pictures. (Stars, glitter, frames or text). You can also create "Blinky tags." Just hover over the top heading selections. Also, they have the best cropping tool for animations that I've found... Very user friendly.
A good site to learn to animate, or use "one click" to add things like water reflection, floating hearts and much more is:
You have 3 choices to begin. Upload from your folders, upload from photobucket or create a blank canvas in the size and color of your choice. Once you upload, it will open in the work area. There, hover over the headings to select an option. (You can undo as well... So play around)!
*Both of the sites above will allow you to add text to a moving .gif (animated picture) without stopping the animation.