Solution is really simple (easier than finding pics and deleting) and free.
go to Photobucket.com, start your account, upload your pics (should probably resize them first like you do here normally).
Then, there are 3 windows below the pic. The bottom one is a image address.
Highlight and copy the address. Hit reply, add your text and then paste the image address.
Give it a try.
Tip: add your photobucket page to your browser favorites, it's hard to find later if you don't.
Another thing, this will keep the server here working less.
A word of caution - the adress for your photobucket account will be available to others here once you post your first pic. I don't recommend nekkid pics of your wife. Unless your into that sort of thing..... like me.
