My trick is to use MSN Groups, there's an A4A one, and the link is on here somewhere. Or I just made my own one.
Adding photos to MSN is fairly easy and self explanitory, you just need to make sure they get reduced. You don't need the MSN software, you can add photos one at a time.
Once the photo is uploaded in the right size, display the photo on the screen, right click on it and select 'Properties' from the menu. In the middle of the display you will get will be the address of the photo, which will start with 'http...' etc. I highlight all of this (and you may need to scroll down, some of them are long) and then copy and paste to my posting on A4A, helps to have several copies of the internet open at once. Once pasted, I highlight the address of the photo, and then click on the 'insert image' button above the smileys (the one that looks like a pic in a white frame'. This puts the '[ img ][ /img ]' bizzo around your photo for you.
You can always preview to make sure it comes out ok before posting.
Good luck with it Carrot Cruncher, and I look forward to seeing your photos.