The thread referred to by Greg is for uploading screen grabs out of a program such as BeerSmith.
To insert a photo, I use Photobucket. It's a free program. Once you load your photos into Photobucket, you'll see 4 lines of code under the photos.
If you highlight and copy the 4th line of code, and paste that into your post, it will upload the photo when you submit your post. Easy peasy.
Like this photo taken this morning!