Lois, the trick is what to do when you have personal photos and don't have an intermediate website to get an URL from.
When the gallery here is working, all you have to do is get it the right size and into jpg or gif, and post it in the gallery - after a short time for review by the mods (they actually post it there). But to put a photo right into a post, one goes through the Post Reply box, clicks on the Image button, and cuts and pastes the URL (the http://
thing) to that little window that comes up. So, there's the problem, if you don't have an http://
with a jpg or gif at the end.
So, some folks have msn websites for just such a reason, as you can enter your photos on that and transfer from there.
I've heard there's a site called something like Irfan.com, that works in this way (so you don't have to set up your own site). If you have your own site already, you can use that URL that comes up when you click on a specific photo.
However, in that case, don't just write the url in the post, as that is considered a kind of spam, and is a frowned on no-no here at a2k; instead, put the specific photo's URL into the Image window in the Post Reply Box.
Finally, images should be under some number of kb (can't remember the number, but I try to keep mine under 100kb).
Vivien is great at posting photos in threads; she probably can help more than I can if you run into questions.