Hi Kirk
I think the way I do it is simplier.
Upload photos to photobucket.
Place cursor over photo and a drop down menu will appear.
Move the cusor to the bottom line [img] and after a couple of seconds it will say 'copied'
Paste in your thread.
Job done.
I always leave a line between text and photos or between photos - makes it look better.

If I have got this right then there should be a photo of two spaniels!!
best of luck
John