Graphic lettering

Okay. Here's a quick and dirty update on this technique. You'll only need 2 layers for this technique.

Open a  a new transparent background.

First PLACE a background layer. Use any pics.

Next add your LARGE text layer on top.

Then switch the two layers. Picture layer on top of text layer.

If you can't see the text you are right where you need to be.

Hold down OPTION key and click.

I added a shadow and a GRADIENT layer which goes on the to.

If you don'twant the white background save as a png.

End of... 

You can download a .png of this on my Deviant Art account here.

  http://stoneangel3.deviantart.com/gallery/#/d4g56tr

TEXT

Okay I found this tutorial on http://www.flickr.com/groups/itsanaddiction/discuss/72157624929873748/ on Flickr.
Here's a direct link. http://www.creativepro.com/article/fill-text-images-photoshop
It's been driving me crazy all night. Maybe it's the television blaring in the background and I really CAN'T multitask after all. I don't know. Have you ever thought a tutorial was easy and then couldn't figure it out?
Go ahead and try. If you come up with a perfect result after following it exactly, don't send me the result, it will just make me crazier. Who knows, maybe it's just an off day. Anyways some of the results I got are alright but they just don't look as clean as the examples. Good luck.