Thanks Bill.
Assuming you have the images on your computer, and the images are resized (approx 600 x 400 pixels), then using the "+Attachments and other options" is pretty easy. Click the plus sign and select your image or images - then hit shift+alt+s to submit.
Resizing your image can be done with Microsoft Office Picture Manager which you might have on your computer. But the Irfanview freeware is used by a lot of people I know on this and other forums.
I use a photo hosting site (Photobucket - it's free). In that case I use the image button and cut and paste the direct link.