To post pics, reply, then below the box where you type the message, click "Additional Options." There will be an option to attach files with a browse button. Browse to the folder on your computer that has the photos and click the one you want. By clicking "more attachments", you can add up to ten.
There's a way to add photos that you have online at another site, like Photobucket or Flickr, but I'm not sure how that's done. Someone else can instruct us both on that.