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You don't need to put a title in a reply, whichever method (Quick or Advanced) you use.
Putting a picture's URL in the Forum post is fairly standard - the alternative is uploading directly into a message - and I expect PhotoRadar don't want their servers infested with all kinds of junk. So they ask you to post links to pictures, rather than have extra versions. The "Insert Image" dialog could make that easier by having a link to your gallery, but even Flickr wants URLs, even if some Forums give the option of uploading attachments.
As for advertising - you don't get a magazine without advertising - that's the way publishing is financed.... without advertising something like Digital Camera Magazine would probably cost about 25 pounds per issue.
So why expect a resource like PhotoRadar to be running at a loss - the small income from advertising covers the costs of very few 'staff' to man the site to answer your questions. It's a bit like ITV.... the advertising pays for the product, in this case the running costs of the website.
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