Background texture Help

[Zabon10]

I'm trying to integrate this image into the BG and I am successful by moving the BG little by little and then saving as a user defined size but I guess my question is....
Q. Will the text always be placed dead center of any BG, having to shift the BG with a defined size it never comes out just the way I would like it?

If this software could somehow place text in a defined area on a specific image size I would just be as giddy as a school boy!

http://extremecashsite.com/images/fu..._ls_blank2.gif

http://extremecashsite.com/images/platinum.png