1. A method of combining a first captured generated digital image and/or text and a second prestored digital image, said second prestored digital image having one or more predetermined locations where a captured digital image and/or text may be placed, comprising the steps of: a) providing said one first captured generated digital image; b) providing said second prestored digital image; c) displaying a mask representation of at least a portion of said second prestored digital image on a visual display device with said captured generated digital image and/or text placed in said one or more predetermined locations so as to produce a preview image, said mask representation comprising a silhouette; d) making any desired modification to said captured generated digital image and/or text based on said preview; and e) combining the first captured generated digital image and/or text as modified with said selected second prestored image so as to form a merged digitally composed image.