No you don't need a website. I find the best way is to go to www.photobucket.com. It is free to register and very easy to use. You can creat a album on there and then upload pictures from your home computer.
If you need anyother help just ask and I will try to help you out.
In the middle underneath your photo you will see a box marked tag inside that box is the <img src="http and so on.
Highlight this information, copy and then come into your posting and paste.
To highlight , left click and run your mouse over the <img, then right click while your arrow is still in the highlite and click on copy.
To paste just right click again and click on paste. When you post to the web it should come up.
Now, I know I explained all that and you may be thinking " Duh" I know how to copy and paste..if so please accept my apology, I just wasn't sure of how much info you wanted