Jazzhead,
You must upload them. You cannot "create a URL" that points back to your local computer.
As a subscriber, though, you can upload quite a bit (it will take the picture from your computer and upload it to AA), and then link it in a post.
Alternatively, you can do this through an external site like imageshack.us or something like that - but you really don't need to as a Subscriber+ to AA.
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