A bit confused - do you mean max size to post is 1.95Mb?
I use Flickr photo hosting service, and I think most people here use photobucket. In flickr you click on the photo you have uploaded to the site, then click the "All Sizes" tab to choose from various sizes - then just copy & paste the URL into the Forum via the "insert image" button - looks like a mountain.
I think theres a good guide somewhere here in the FAQs section on how to post pics in WTF.
If the file size is too big, do you have any photoediting software at all - even the most basic will usually allow you to resize the pic prior to uploading to your photo hosting site.
Best of luck, and sorry if this doesn't answer your question.