Glenn,
This software isn't too transparent. I run several other web sites and none are as difficult about that as this one - of course they run different software and have orders of magnitude fewer members
Take a look at the "Additional Options" section below the one where you compose your message. Click on "Manage Attachments" and it should allow you to upload a photo if the file size isn't too large. (Note: it's even below where the "Submit Reply" button is located. Took me a while to figure out, too...)
Are your links different from the ones FWB posted?
Tom