Instructions for inserting photos (not thumbnails) directly into a post on this forum are posted here.
Scroll up or down to find the blue header topic Attachments and Images.
Then look at the Add Image section and find the Album (?) link to open the album instructions. I use the BB code to get images showing 'full size'.
All members who have access to your album images can comment on them, in a similar way to Visitor Messages (more info). You can delete any image comments from your albums....
When you have uploaded a photo, you can place it in your posts by using the BB code text that is displayed below the image when you view it at full size.