Adding photos to comments and messages

I don't care if you call me STUPID or not because I have tried EVERYTHING to post photos in a message or on a forum post and there is NO OPTION to UPLOAD a file to a message or a response to a thread

so HOW DO YOU DO IT??? I do not want to post my photos on another website just so i can post a URL here. I want to upload directly from my computer or hard drive so PLEASE can you explain how this is done?? I know I am not the ONLY ONE that has this question and would like some ANSWERS to how it's done...thank you very much