Thanks Jerseygirl. Jersey is right, copy and paste the actual photo is no longer allowed in the forum - it usually throws an error code if it is done this way. If you have a photo online -- like with photo-bucket, flickr etc, you will need to copy the image code.
If you want to upload a photo from computer, you have to be sure to use the reply button, not the quick reply, and you will see some bars at the bottom of the text box that will allow you upload photos.
For detailed info on how to do this (with instructional images) see http://www.binkybunny.com/FORUM/tab...fault.aspx