JDM:
You doing it right but your doing it from your computer. The photo must be uploaded onto the net in a gallery here or a free or bought one either way it must be on the net for all to see. The way your doing it the photo is still in your computer.
http://c:/Documents%20and%20Settings...ictures/snakes
This is the link of that photo - but it states c:/Documents%20and%20Settings - this is showing me its in your computer and not on the net.
Click your gallery on this site I believe they give 1 MB of free gallery so try loading there and then do the linking your were doing before with the IMG feature again.
Tony Pharosx