Hillbilly buddha

An update... I think it was a glitch. I restarted the computer and it stopped doing it.

I'm sure this is super easy to fix but it's driving me mad!!! I'm trying to use the text function but it is invisible!!! When I write text on the background layer, with cap-lock on I can see the text. If I turn the cap-lock off then the lower case text is invisible... But no matter how I use cap-locks in a new layer then the text is invisible. I've tried this with different fonts. I'd just want to write some text over a back-ground image... I know this has got to be easy, I'm just not getting it. Please Help. Thanks