1) Go to wherever your photo is posted on the web (ie Webshots).
2) Right mouse click directly on the image, and select "properties" from the menu.
3) Highlight the image URL you see by pressing and holding down your left mouse button. Then, right mouse click directly on the highlighted link and select "copy".
4) In your post, right mouse click and select "paste" to add the image URL.
5) Now highlight the URL you just pasted into your post and then click the "URL" button up above. This adds bracketed "url" code around your link. When you hit submit, you should see the photo in the completed post!
So, for example, I got the link from Hikin Mike's little logo above. After pasting it in, highlighting it, and clicking on the "URL" button it looks like this in my post until I hit the submit button:
[url]
http://www.thebackcountry.org/images/hikinmikelogo.jpg[/url]
Yours should look the same before you hit the submit button.
ERIC