I can only post pictures with a URL. It will not let me post any pictures from my computer/phone. Is this because I am a newer member?

That's true for everybody. I think premium members can add attachments.

You're best bet is to use a free image hosting service such as imageshack.us or imgur.com.

Keep in mind imageshack no longer allows anonymous uploads.

Got it.
Thanks guys

tinypic is fairly easy to use. It will prompt you to enter a sponsor's name or website.

That bites. Must be pretty new. I think I used them a couple of weeks ago and didn't have to sign up.