Frank,
When you want to post photos and have no other webspace available you can do so by initiating a post and using the "Instant UBB Code" menu on the post authoring page. It appears right below the text box where you type in your post.
You need to know where your file is located and click on the "Image" hyperlink (upper right corner of the selections). This will bring up another text box where you can enter or browse for the file location. Either type it in or browse for it, hit enter, and voila the photo is attached.
If you have them stored somewhere else on the internet, you should use the "URL" hyperlink and enter the web location for the picture in the text box.
That should do it. Hope I didn't confuse you.
Chris