It kind of depends what program you use.
I use Pinnacle Studio 8.0 myself, but programs like these are often very similar, so it's easy for you and your friends to learn how the program works. I learned by trial and error myself.
Anyways, if I'm not mistaken you want text appearing while the video is still running and visable.
All you have to do is put the Title (text) on a different trail as the video, like this:
Choose a title from the menu (if you use Windows Movie Maker I believe you can already type the text you want)
I'm using Pinnacle, so I have to drag the title to the title trail, then doubleclick it and type the text.
The result.
Hope this helps.
Good luck with your videos.
