<style>
   .pic{ width:300px; height:300px; background: url(이미지주소) no-repeat; } 
   .text{ width:240px; height:240px; background:#000000; opacity:0; padding:30px;} 
   .text p{ padding-top:42%; } 
   .pic:hover .text { opacity:0.6; text-align:center; color:#ffffff; }
</style>

<div class="pic"> 
   <div class="text"> 
      <p>좋은과일 고르는 방법!!</p>
   </div> 

</div>