As basic members we have to have our photos hosted from another site. There are several free sites available, personally I use Imgur.com. Just upload your photos, crop and resize as needed, then copy/paste the link provided for message boards and forums.
Good luck!
Chris
When you click the 3rd icon from extreme right that says "insert image", does it not give you the option of inserting image from a URL or from your own computer? The URL would require an outside website, but the option of "from your computer" should allow uploading from your computer.....