Hi Haggis and Welcome!!
Nope your not dumb at all,, we ALL have had to learn how,, Just up load your pictures to any photo acct,, most of us use Photobucket,,, after your pic' are up loaded then (for photobucket at least) you will have a list of options under your pictures. i.e.......
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IMG Code <---- High light this Img code , then copy and past it to your post here! Ta DAAAAa that's all there is to it!!
Glad you joined us and I'm looking forward to seeing your pictures!