mrsmail, if you go to the bottom of the area where you're posting, click on "go advanced". Below the text box where you type is a button for "Manage Attachments". Click on that and it brings up a box. Browse to the photo that you want to upload, and click on the "Upload" button. Once it's done uploading, close that window and submit reply...it should load your photo.
You may need to resize your photo to get it to post.