WestPat
1st upload the image to photobucket or some similar website.
http://photobucket.com/
2nd have the website generate an image tag code for use on forum....copy that code.
3rd paste the image tag code into your post and viola an image will appear in your post.

The code for the above photo was copied right off my album page on photobucket from a little box that appears beneath each photo in the album.
It is labeled IMG code in the box.