Here's what I did ... another member showed me how and it worked for me. Go to Photobucket.com and register for an album site. It's easy ... it's free. Then follow their instructions for downloading photos onto your album. Once you have a photo on it, highlight and copy the text in the URL window under the picture.
Now ... log in to FSM, go to the forum and start your thread. Paste in the URL you copied and put this head and tail on it ....
... with the URL where I put the x's. Click submit and you are done. Here's an example;
Now, to submit digital photos directly to the magazine, go to the green bar to the left on this page, scroll down to submission guidelines and click it, then the next page will have a batch of downloadable PDF files that will give you all the facts about shooting, writing and submitting to FSM.