Questions on speech boxes & callouts

I may be using the wrong terminology -- please correct me. Here goes...

I want to be able to make nice, attractive boxes similar to cartoon character type boxes with tapered connectors pointing to the characters mouth or at least to the character. The boxes contain text, i.e. what the character is saying; or in some cases (with little bubbles instead of the tapered pointer).

I think those are called "callouts", but I have also seen the word used to describe a single line.

Now....

How do I do this in Photoshop? What I have been doing is using the elliptical Marquis tool, then painting (or using Clouds on a filter) to create the box, then the line tool to make the arrows; then the text tool to put in the text. This is not only time consuming but produces distinctly inferior looking results.

What should I be doing? A pointer to a tutorial would be ideal!

Thank you in advance.

There is a custom shape that looks like a dialog box thing.

Just click on the custom shape tool. (It's with the rounded corner square tool, etc.)

Then up at the top of the screen click on the little downpointing arrow to change the shape you want to use.

Then press the right pointing arrow on that box, and choose "TalkBubbles" on that menu.

YES! I knew there had to be something better than what I was using....thanks ever so much, works very nicely!