This is from Jersey Lilly's instructions in the Photo Contest section:
Option 2 - PhotoBucket.com
1. go to that website, and creat an account. (it's free)
2. upload your photos from your computer to photobucket
3. copy the code (there are several choices underneath the picture, but you want the one that has [img] at the beginning.)
4. In your message box your posting on ranchers, right click, and choose "paste" the [img] code. If in doubt, click preview to see if your photo appears in your message before hitting the submit button.
Wallah.....
Then, make sure there is no checkmark in the "Disable BBCode in this post" box
Good luck