Ken Papai , Apr 07, 2006; 08:54 p.m.
Step ONE -- Create a new "image"... Ctrl-N
Step TWO -- Then open up the five photos you want to collage. Put a marquis around them and simply paste them over to your original blank background document you opened in step 1.
Step THREE -- each pasted image is a separate layer you can select and move around and place on your finished collage. Flatten all layers when you are sure you are done and you save the file; job done.
This one of my wife and me in San Jose took all of 45 seconds to make