Layers - how to add them and make them work

[Meenie50]

I have several pictures that I want to use as layers in a book cover.  
The basic picture is a jpg. The rest are png
I opened the basic picture (boat) and it shows up fine and shows as the background layer. 
I open another picture (title) and it shows as a layer also, but I can only see one or the other (which ever I put on top) instead of seeing the title on the picture of the boat. 
What am I doing wrong? 
I tried looking up beginner tutorials, but the things it was showing to do, I can't seem to find (it opened an entirely separate layer area in a little box). 
Do pngs not remain transparent when opened in infinity photo? 
Or is it something else. 
Please help. This is so easy to do in PaintNET but that program is missing a lot of the adjustments that can be done in Affinity Photo. But I can't seem to get the layers to work.  You'd think layers would be easy in Affinity, it's pretty much the basic thing you have to do to begin creating a design. 

[firstdefence]

If pngs have transparency they will retain that transparent area and simply stacking them should give you what you want, is it possible to upload the afphoto file and or the title png for us to look at.

Just a quick doodle for fun.

[Meenie50]

Thank you so much. I'm sorry I didn't get back to you. I had a death in my family and forgot about this. I'm going back to square 1 and begin again.

[firstdefence]

8 minutes ago, Meenie50 said:

Thank you so much. I'm sorry I didn't get back to you. I had a death in my family and forgot about this. I'm going back to square 1 and begin again.

My condolences.

if you have any questions don’t hesitate to come back.