David
The best way is to:-
1. Log in
2. Go to " Albums" at the top of the page
3.Either click "Create a photo album" (or , if you already have one you can open that.)
4. Click "Edit Photos"
5. Click "Add more Photos"
6. Click the "Browse" button This should take you to your "My Pictures" folder on your pc
7. Select the image you want to upload and press "ENTER"
The image title will be shown next to the Browse button.
8. Press "UPLOAD" to upload your image.
The image(s) you have specified will be uploaded.
To add ' photos from one of your albums to a thread do this :-
1 Place the cursor on the place in the thread that you want to insert the image
2 Click on the little camera at the top of the message box – a list of all your albums will appear
3 Select the correct album click on "View Images" and find the photo you want and press OK
The result is thus:-

It looks harder than it is!
Good luck!
Norman
P.S Clive – you are quite right – but I started typing this lot BEFORE you posted!! 
Edited By NJH on 26/04/2014 19:42:34