Marti - I had a similar problem!!!
When you click on the "Gallery" button up there ^^^^^ you need to scroll down near the bottom of the alphabetical user galleries and click "personal album"...........It prompted me to create a Personal Album (I think it was really easy - like "create personal album" prompt came up and "bam" it was done
Theeeenn...when you click on your "Personal album" there is a rectangular button near the top left of your album that says "post a new Image"
I then put the URL or "browsed" my picture files and hit submit. Your images have to be in a small enough file size to load (500K I think?)
Hope this helps!