Mike,
The problem is that the photo has to be sitting on a web server somewhere. I didn't see anywhere on this site where you can post photos, but I may have just missed it. All the photos I found were sitting out on other web servers and the guy posting just points to the photo.
If you have somewhere on the web where you can publish photographs that you don't need a username and password to get to, you can easily publish your photo and point your post to the photo.
Using fifth icon from the left, which has what looks like a mountain with a sun or moon above it, you can to a photo. If you had a photo at http://www.photosareus.com/photos and it was named boat.jpg, you would have to enter http://www.photosareus.com/photos/boat.jpg between the two IMG tags.
Somehow, you can upload photos to BBC, but I wasn't able to figure out how. It's obvious from the owner photo album. If you right click and select Properties, you can see the names of the photos and where they are stored and they are on this site.
Maybe someone else can chime in here and tell us how to do it.
Hope I helped at least a little bit.
Danny