Ok, someone tell me slowly and gently how I add photos...lol...

Hi

All you need to do is put your image URL from a photo host between [ img ] [ /img ] tags in your post and you image will appear. You can usually get the url of an online image by right clicking on it and selecting something like "Copy image location" depending on your browser.

There are quite a few howto's in the techy help section of the forum (near the bottom) if you get stuck.