Ok, it was a little later than planned. Had to get my catering stuff ready for tomorrow, bathe K, put K to bed and do dishes. Ahhh, the life of a mommy.
I stuck one of last year's pictures in here just for you to get the idea. We haven't taken our pics this year yet. This would be open from the front, so the picture shows through. Then I would use the white sharpie for the bottom part. I was in a hurry, so I didn't worry about handwriting or anything like I would if it was going out.
what you would see from the front
Does that help? If not I can take other examples and post them tomorrow. Each card is different, so it just depends. But normally you could glue a piece of paper to the inside, the same size (or smaller) than the outside piece, so it doesn't show and that works fine.