Do not use any album website that requires a password to view your photos.
The following instructions refer to Photobucket but others a similar.
CAUTION: Many digital photos are very large as they come from your camera and MUST be made smaller. Any photos posted too large will be removed without warning. Many cameras come with companion software that can do the resizing, check out what yours does. Also some of the album sites will let you resize the photo. Photo sizes are measured in “pixels”. Maximum photo size allowed is 700 pixels wide by 350 pixels high.
After resizing your photo if necessary, upload it to the service according to their instructions. Then view your photo on the photo album. On the right side will be a box titled “Image Links”. Click on the “Img code” to copy it.
With yur message on the screen place the cursor placed where you want to insert the photo, click paste.