Overlay text on image

I want to input text over and image I am using as a header for a webpage. the image is inside a div. should I leave either as is if so how do I put text over it. or should I use image as background and do it that way. my intention is to parallax all content under the image header when I scroll down the home page.

Since nobody has replied yet, see this pen demo I made.

Notes: using MaterializeCSS for parallax, using CSS for overlay.
Scroll rate for image, and text overlay (and page text) are different.

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thank you , I am attempting to do something very similar to this