1. Go to the Upload a File button next to the Post Reply button below.
2. Drill down to your hard drive include the image.
3. Select either Thumbnail or Full Image. (Thumbnail adds the image of file as an attachment, while Full image will embed it to show its full size.)
4. Add text to the post.
5. Click Post Reply.
Oh I get it now. I never saw that upload a file button. There's a button for insert/edit image up above that I couldn't figure out how to add a pic from my hard drive because I didn't know the url. I am so not techy smart.