How do I avoid embedding (ie, the inclusion of) an attachment in the body of an
Outlook Express message?  For example, when I send a picture as an attachment,
the receiver also finds the picture below, within the message.

no way, you can only zip with winzip (www.winzip.com) that file and
then the receiver must unpack that file.

Or you can sent the link to that image eg:
http://answers.google.com/answers/answers-logo-lg.gif

OK, Thanks.  I am surprised and a bit disppointed, that OE handles
attachments this way.  But at least now I know about it, and won't
wonder what I'm doing wrong.

Incidentally, it's interesting to learn that if I first zipped
attachments, it would solve my problem.  It's extra steps, perhaps,
for both the sender and the receiver, but I look forward to trying it
out.

As for sending a link, I'm guessing that you mean a link to an
attachment stored on a Web-based email client using an IMAP server. 
I'm using Outlook Express, of course, and my ISP (Time Warner
Roadrunner) uses a POP3 server to download messages to my hard drive,
so using a link is not an option.  Do I understand that correctly?