hey bill.
welcome to the asf.
for pics, you have to find a site to host them on, then go to that site and right click the pic, click properties, highlight the url, right click the highlighted url and choose copy, click ok, start a thread here, click the img icon above, right click the pop up and paste your copied url, click ok, and voila.
i know it sounds like a load of horses#!t, but it's really not to hard when you get used to it.
i consider myself fairly computeretarded, and i picked it up fairly quickly.
good luck.
i pm'ed you. drop me a line when you get a chance.