I don't recommend using "Insert Object" to post photos. The photos are gone after a week. Some of our members can't get here once a week, so they miss out on all the photos posted using "Insert Object." It's neither difficult nor costly to upload a photo and post it--that way it can remain available as long as you want it to be.
Here's a link to a very nice site which keeps an up-to-date list of free places to post photos (free prints, too). The ones that have the "ebay OK" symbol allow direct linking:
http://www.andromeda.com/people/ddyer/photo/albums.html
If you don't want to go through the list, try photobucket:
http://www.photobucket.com/
Just follow their instructions for posting photos (250kb size limit) and then copy the link beneath the photo.
Come to the forum and start your post. Paste the link into your post if you just want a link. If you want it to show up as a photo then write it like this (your photo link that you copied goes where you see the picture here):
<img src="
">
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Another one I like is Graeme Falkner's site. It's free for the first 30 days and very cheap after that. It will also write the HTML code for direct linking:
http://www.photoshare.co.nz/PhotoShareLogon.asp