Ok... here goes: Do a post reply, new post, or even edit an exsisting post. Once the window pops up, across the top of text window is a string of icons. Select the paperclip one. It should pop up a new window. In that window, you can browse to the image on your computer. Once you have the image or images, click the upload button. Once the images have been uploaded, click the close this window button at the bottom of the pop-up window. Thennnnnnn...back to your message window, click the paperclip icon once again, and the images you just uploaded should show up. Lots of info.. hopefully it came out clear!!!!
If you are using a hosting site, you want to use the photo that has the IMG tags. I know photobucket works here because that is what I use. The other option you have is to upload it from your computer. I can step you through that to if you like.