How do you add a team photo (held currently on my computer) to a message?
You can't add one from your computer - it has to have a url, ie - it's got to come from a website. Try and put your photo on flickr and then you can add to a post using the [url]------------[/url] tags.
Click on your flickr photo. Select "all sizes" above it. Pick a size, eg medium and right click over it. Go to properties and copy that url into your RLFANS tags.