How do I display pictures on web forums and on ebay with...

I have a internet account with toast.net that includes 50 megs of web space and 1 gig of transfers. I would like to be able to host pictures in this space for use on eBay auction or for pictures I include in forum posts. Here's a link to the "Member Web Pages" section on toast.net. http://www.toast.net/members/WebPages/ I thought I could just upload the pictures in step #3 and then link to that ftp address. Well I was able to copy the pictures into my toast.net ftp folder, but when I try linking to the pictures nothing shows up except a blank placeholder for the picture. Do I have to create a website with the pictures in it and link to that? I'm not really sure how this works. I'm sending this same message to toast.net help support in case they can help, but I'm not sure if they help out with web coding.