You have to be a Forum Member and be logged in...
1. Go to Photo Gallery and click on "Upload Photos".
2. Click on the first "Browse" button and find the photo file on your hard drive.
3. Enter Tilte and Description if you wish and click the "Upload/Submit" button.
4. Click on the thumbnail to see the larger picture. Right click in the UBBCode: box and choose "Select All". Copy the URL and come back here and Paste it where you want the photo to appear.
Another plus for the Photo Gallery... your picture is sized just right for the Forums!