First, you need to have the photo hosted on the net somewhere, so that you can link to it. Then you just click on the 'Image" tag which is under 'Instant UBB Code" just below the window where you write your posts. You can then insert the link to your picture into the space provided, and you are set. Feel free to practice in the testing forum, as that is what it is for.

Good luck, and let us know if you have any problems.