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Description
Updated (and simplified) version here:

I apologise for the large size.
This is just one way to create speech balloons (or speech bubbles if you prefer).
You could draw them by hand (used a lot in manga styles). You could use the Curve snap (ruler), but I find that gets fiddly.

Instead of using selection shapes and tools, you could just draw the balloons in white with the ellipse variant of the Fill Tool (filled shapes, not the Bucket Tool), and the tail with the polygon variant or a large normal white pen/brush instead of the SelectPen (you could add outlines by first using the Select menu, Create Selection from Layer / Opacity) - this might be better, but I find it a little difficult if I'm working with white balloons on a white background - hmm, I might have to play with this more using a temporary middle grey background layer.

Description
Updated (and simplified) version here:

I apologise for the large size.
This is just one way to create speech balloons (or speech bubbles if you prefer).
You could draw them by hand (used a lot in manga styles). You could use the Curve snap (ruler), but I find that gets fiddly.

Instead of using selection shapes and tools, you could just draw the balloons in white with the ellipse variant of the Fill Tool (filled shapes, not the Bucket Tool), and the tail with the polygon variant or a large normal white pen/brush instead of the SelectPen (you could add outlines by first using the Select menu, Create Selection from Layer / Opacity) - this might be better, but I find it a little difficult if I'm working with white balloons on a white background - hmm, I might have to play with this more using a temporary middle grey background layer.