Cindy, Before I go into full explanation, let me begin by saying I have never included a photo.
The most important detail for you to know is that the photo must be somewhere in the WEB WORLD before you can add it here. (Photobucket or Flickr, or other storage) Then check out one of the following:
1) Click on FAQ above - then click on 'How do I add an image to my message'.
or
2)Click on 'Reply' which is the first option at the bottom of this post instead of using the 'Quick Reply' in the next box. Across the top of the box where you type your post is a series of boxes. The first is the smiley faces many of us add on a regular basis.

The fourth box says 'Add an image'. Click that and do what it tells you.
Hope it works, cause I would love to see your block. GrannyH