OK. A couple of options for you.
You can attach a photo using these steps. Scroll to the bottom of the New Reply page. Click on Attachment Manager.
The Attachment Manager window will open. Click on Select a File to Attach. Another window will open to allow you to navigate on your computer to the location of the image you want to attach.
When you are done, it will be attached like the cartoon below.
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If you want to try having them hosted, it's free and easy with Flickr. Join at Flickr.com, the follow the instructions in this thread.
Hosting and Posting Photos with Flickr!