I am new here so I dont want to ruffle feathers. It seems easier to me to post a pic w/ my response but everyone uses attachments. I know the attachments load faster but I'm not sure the right procedure. Am I missing something ? Oh wait, duh, no wonder. It's already figured in. I saw that on my way to post. Well, since I'm back here, Hi and thanks to everyone for all the useful information.

I don't know how some people place their photos in the message. I always attach them. Attached is my annual Christmas card.

How could I have inserted it within the text?

Once you have the photo on the web somewhere (personal web space or public), you just click on the "Image" link and enter the address.

Good luck,
Jack