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Nell, if you have Word you can easily create a watermark. You need to put your watermark onto a Word doc, the mark you want to use, and then make a PDf of that and then export a jpeg for the PDf. Then open a Word doc, and go to 'Design' a the top. 'Watermark' is on the right at the top. Click on it and it will say 'no watermark' or 'watermark'. Click on 'picture' and then import the jpeg form your desktop. It will show on your document as a faded mark. You will have to experiment to get it where you want it to be.
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Can't seem to make the background transparent...
Nice to see you here again!