Apologies for the delay old chap.
Unless you have your own website, go to www.fotango.com
and get a free account.
Upload your pics to your own albums.
Go to the album and click on it.
All the pics in that album will appear as little images.
Click the pic you want.
The pic will get bigger.
To the right will be a list of things. Third from botty "Get a link to this picture". Click that.
The screen will refresh and look just about the same, but above the pic will be:
The URL for this photo is: http://www.fotango.com/p/eba00327188f00000014.jpg
Hover over the http geeky stuff and right click. "Copy Shortcut".
Then go to AO.
Type a message and press the IMAGE button.
A little window will appear.
Right click in it and paste your link:
Press OK. The link will appear in your message square bracketed by:
Make sure there are no extra spaces or https or //.