It's a little tricky how to add photos.  When you start a new message or post a reply, click on the image icon in the edit screen window (looks like a tree).  If you've already posted the image in Flickr or on your own site, you can enter the image address in the first line.  The URL would be the web address of the image you already have posted elsewhere.

If you want to upload the photo here, click the browse button (camera/search image), next to the URL line.  That will take you to the file manager window, where you can select the Upload tab to add new files to your own album.  Once the files are uploaded you can then select them from the browse tab to insert them into a post.

This is great, thanks Deborah.  Can I copy and paste what you wrote to the Help file over here? 

Actually, I'm going to ask folks to hold off on uploading anymore photos until hopefully later tonight. There's a problem in that the images aren't being resized and the original uploaded photo size is what's being used even though only the thumbnail is displayed.  So, for example, on Anita's page, her photo is 1 meg, plus 3 of the avatars on that page are also 1 meg, so that page is well over 4 meg to open.  OUCH!  

I've posted a question on the tech support forums.  Hopefully this is just something I've configured incorrectly and it can be fixed quite easily.