when inserting the text ull see in that same window a few options at bottom well if uve vector selected the tools disable till u paste into selection but if u select floating then your tools stay actice also lettin u drag and drop the text where u want k.
You can get some free ones on google or any search engine. Type in psp plugins or something to that effect. And if you want a WHOLE bunch then you can goto kazaa to get some.....