Open a New Photoshop Document. Press Ctlr+N or go to File and then New. 1280×720 or 1920×1080 will be good for a thumbnail.
Startup with the background. Fill the background with a gradient. To do this, select the gradient tool (hold down the Paint Bucket tool). Choose a fill option from the gradient samples. Then press and hold to make a starting point and ending point.
Add a picture to the thumbnail. For example, you might add a logo. To add that image, go to File then Place.
Add text. In order to do this press "T" and type what you want to display. Add some effects to the text if desired, such as drop shadow. To do this, hit Drop Shadow from the little FX icon.
Put a rectangle behind the text (optional). Hold down the shape tools icon and select the rectangle tool. Then drag in your image to draw the rectangle; decrease its opacity to 50% or 25%. Make sure that the rectangle layer is under the text layer.
Save the thumbnail. Go to File and choose Save for web. Select PNG-24 and press Save.
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