If you have a website like Flickr or photobucket(both are free, if you dont have one yet, its what most people use for photos), you take the link to the photo(right click on photo and depending on what browser you use, go to properties to get the direct URL, or you will have a "copy image location" in the menu when you right click"), then in the text box you're typing in, click on the little icon of a mountain/scenery, next to the text buttons and insert link button. If you hover over it, it will say "insert image". Click it then paste your link there. And viola. picture.