is the photo on the computer or the web...... ??

If on the computer.. Use the Post Reply Button not the Fast Reply at bottom, select Click here to upload images and files!
then browse to ithe pic on your computer, then select OK... but it takes a while sometimes.

If on the web... go to the picture (full size view) right click it, select properties and copy the location link (http*onweb*photo*dot-jpg) etc.
Then in the Fast Reply or Post Reply select IMAGE {image}and paste the link in here[/img]

Cheers, Dan