Ok, based on some emails I've been getting, there seems to be a little confusion on how to get digital pics into posts. Here's how to do it.
First of all, you'll need them uploaded someplace on the Internet. http://www.photobucket.com is a pretty good site that offers free photo hosting. I recommend you get an account there and upload your pictures. If you have a Facebook account, you can also upload your pictures to your Facebook photo albums.
Find the picture that you want to insert (in whatever site you've uploaded them to) and right click on it. There will be a dropdown menu, select "Properties." This will open a window with your photo's properties. Highlight the entire URL for that photo, then right click and copy the file path.
Open a forum topic and type in your post. At the point you want the photo, click and place the cursor.
Now, just above where you're typing in the post, you'll see a light blue toolbar. In that toolbar, there is an icon that looks like a picture of a tree. If you run your mouse pointer over the icon, it will say, "Insert/edit image." Click that.
A window will open up and in the space labeled "Image URL", right click and paste your photo's URL path. Then click on the button labeled "Insert" and voila', your picture is there! 
If you get a little box in your post with a red X inside, that means something isn't right with the photo URL. 