Nice avatar, Cpt.!
You need a photo hosting service like www.photobucket.com. It's free and not difficult to us. No, I don't own stock!
Then you need to upload your pics to that. It's done by clicking "upload," then selecting photos from your computer.
Once you have your photos uploaded to the service, you click on the little cogwheel (on the photobucket image), and it brings up "get links." Open that and copy "Direct."
Then come over to FSM here, and click on the "image" icon that appears with "rich text formatting."
Paste the copied "Direct" link from photobucket, hit the insert button, and your photo should post.
It's easiest to do this with two browser windows open at once--one here at the Forum, the other at your photohosting site.