It's been awhile since I posted pics on Disboards... Questions

[DisneySuiteFreak]

How do you insert pics into posts now? It used to require the Img URL, but someone else told me that you can drag/drop pics into posts now. Is that true? When I did that in a response on another thread, it showed a LINK to view the image, but the image wasn't embedded in the post. What am I doing wrong? Also, I see that we can have albums now. How does that work? I couldn't find a link to create my own album although it shows that I must be able to somehow in my "back office" (for lack of better word) area when I look at it. What are you all using in lieu of Photobucket since their outrageous price hike? Also do you still use the IMG URL to embed pics into a post? Thanks for any help. I thought I was pretty tech savvy but I guess not LOL.