Ok, I am really confused! It was suggested that I try a new file and see if text appears - it does. I then started to do the graphic I was working on from scratch - and I believe my issue is after I insert a jpg file as a layer.
Here is what I have done:
Started with background layer - used the paint bucket to add color
Added a layer -- put in text - shows fine.
Added another layer by importing the jpg file
Added another layer to add more text - and it doesn't show. I confirmed all that you listed but no go?
Again, thank you so much for your help.