Need help recreating an image or a tutorial

I'm trying to mimic this image using photoshop but am having issues. Can any please help me create this or post up a tutorial on how this is done?

I'm completely lost.

I want this image but much larger. Probably on the scale of 1280x800.

www presentermedia com /files/clipart/00005000/5297/speech_bubble_2_sm_wm.jpg

I added spaces to get around the link rule for new posters.

Thanks