Monk, AS you upload you cut and paste the file name. So, if like most people, you have named the photo, such as tinkerluger04, the next tinkerluger05 etc., then you can actually upload, then paste into the blocks.
Now, catch this,

, if you want it as a URL, then you just drop the URL to this quickreply block. If you want the picture to show up, then you place the letters IMG inside of brackets, i.e. [img] url [/img] {{no spaces between the inside brackets}}
the img tells the computer there is a image, the /image tells the computer the image is over.
ed