In the "Quick Reply" box click on the "Go Advanced" button at the bottom.
Then click on the paper clip icon on the tool bar.
A pop-up will appear where you can upload photos. After you choose the file, click upload. A progress % will show up at the bottom of the window.
After the image has up loaded, go back to your message and click again on the paper clip. It will ask if you want to attach the image. Then you're golden after that.
If you first resize your images, they will upload much faster. You can use the PhotoBucket method too and attach the URL but uploading them directly to this site works much better and all the members will be able to view them.