@edgygirl
This is the result of click your username:
"answerone.wordpress.com is no longer available.
The authors have deleted this blog."
Will you please post an active link starting with http:// to the blog in question?
Please go to the Admin side of your blog and on the top right hand corner click "screen options". When that page opens select all of the modules.
Next go to Dashboard > Users > Personal Settings
on that page make sure the Visual Editor has not been disabled.
Visual Editor __ Disable the visual editor when writing
If it has been then enable it and click "save changes"
http://en.support.wordpress.com/visual-editor/
If you are an Admin, Editor or Author of the blog in question you can post images.
If you are a Contributor then you cannot.
http://en.support.wordpress.com/user-roles/
uploading images > http://en.support.wordpress.com/images/