Alan,
do upload a small pic into a post is somewhat easy (hey, if my computer illiterate arse can do it, so can you).
Step one: the pic has to be hosted by a web based company (such as Flickr, yahoo, etc. its those places you download your personal pics too...or you use a pic you found on the internet already)
Step 2: Get the url (i think that is what it is called) by holdiong down the shift key and the right click your mouse. You get some options. click on "copy image location"
Step 3: Then go back to your post and press the "Ctrl" key and "V" key at the same time.... you get something that looks like this
http://www.wineintro.com/labels/portugal/dow.jpg
(make sure it ends in "jpg" (if not delete what comes after jpg)
Step 4: Then highlight the link and press the image ("img") icon
press preview before you submit and you should see it. and the above link should look like this