You'll need to get the photos onto the Internet first somehow, flickr, picasa, photostash, whatever...
Then, type (or cut and paste) the url (
http://hubcap.clemson.edu/~hubcap/savannahRide/cotton.jpg for example)
of the image into your message and surround the url with the little image-twinkies that come from the "insert image"
icon (leftmost icon you see above when you're composing a post or message, looks like a picture in a frame)...
It's easy once you see what the deal is...
-Mike