From: Daniel Piechnick
Hi Glen. There are a couple of ways to do this in Photoshop. This is my cheaty method :) Select the Text Tool and click it on the image. Choose the "Symbol" font. Hold Alt, and type 0169 on the numeric keypad. This is the ASCII code for the ♥ character. Click the "tick" when you're done. Press Ctrl+T to re-size the heart, and press Enter when you're done. In the Layers list, Ctrl+Click on your heart layer, to select it. Then, click on the eyeball next to your background layer to select it. Press Ctrl+C to cut out your selection. Make a new image, and press Ctrl+V to paste it in. Let me know if you run into any hurdles :)