If the pictures are on your pc, just use the 'insert image' icon above the smileys and select the pics you want to display on your post.

Couldn't be easier.
Even if you're using an online storage site you can still download the pics to your pc and use the method above.

For online storage, copy the address of the pic using the 'direct' link, then insert on the page here using [img]paste[/img]. (square brackets)

As to your lady friend, I wouldn't even consider meeting 'her' unless you've had many webcam conversations. LOTS of scammers out there now....almost a cottage industry, and many based in Nigeria, surprise surprise.