On the bottom of the reply page a browse box with attachment next to it. Click on browse and find the pic in your computer and attach it to your reply. I am new to this site also, but that's how other sites do it.
There are free resize pgms. I use Irfanview resize your pics. Next go to the forums column and on the right you will see alist of options. hit photo gallery. Find at the top upload photos, and follow the steps to pic your photos. at the bottom of the pic your photo page you will see a button called upload. clic on it and wait till your pic's are uploaded. To put them in your post when you are creating your post at the end of the options you will see the letter G. If you clic on it it will take you to your pic's that you have uploaded and pic the pic ou want in your post.