You are exactly right Eric. I found that in the PM message box one has to click on the " Insert Picture" icon in the header bar, if they want to insert a pic in the message they are sending ....
Clicking on the "Insert Picture" icon will prompt a box to pop up asking for a "link" to put in to the box to procure the pic. Which means one needs an on line photo hosting service like Photo Bucket , to get their photos linked from it...
Since I no longer have a Photo Bucket account I could not do a link. So, the fellow GJ'er I was messaging to,suggested that I just set up a GJ album and put my pics in it. Great idea and it worked. The albums can be made either for private or public viewing, which works well. Thanks, Greg