Adding media via link to url

So I’m pretty new at all this, but I’m learning. I had a decent site up and then while trying to figure this out screwed the whole thing up. Im ok with it, but just want to figure out this:

I would like to have the photos that are on my site not be hosted on wordpress. So I will be adding media by linking to url, or embedding photos from my smugmug account. When I do this I do not want the photos on my WP site to link to smugmug, I just want them visible.

I’ve read lots of stuff and it all seems to point to entering the url into the “URL” field and then changing the “link to” option to none. However there are no options under the image after I add the url, or before I add the url for that matter. The image appears but no options.

Before I add the image there is a box that says “link text”, but that disappears as soon as i add the url.

I hope this makes sense and I hope I’m not too much of an idiot ??

Thanks for any of your help and time.