on a side not how do you post a pic that actually comes up on screen, unlike the way im doing it with a link to the pic?
First, you have to have the picture posted on the interwebz somewhere. I use picturetrail.com, but there are many other free posting sites.
Then, while you are posting your forum entry, you click on the icon in the edit bar that looks like this:
The icon will insert the image tags. When it does, you put the link to your picture in between the tags.