Daryn, Photos can be added by linking to online photo storage sites like Photobucket. I know there are others, Shutterfly,Smugmug, Fiickr, Picassa (Google's) among them. I use Photobucket and with it, you click on the link under the picture then paste it into your post. If it works right, the photo shows up, not the link. Not sure how it works exactly, but that is the theory. It has nothing to do with being a new member, as far as I know.
Don't get me started, you know how I get.