Hi Bob,
No problem..it's easy once you get the hang of it!
There are 2 ways to do it: Direct Post (definitely the easiest, but see the note on file size) or use a photo-hosting site.
Direct Post
When you click to start a new forum topic or post a reply on an already-running topic, a window opens for you to input your message. Underneath this window you'll see 3 blue tabs - click on the one marked "Upload attachment" and a grey button will appear marked "Browse".
Click on this and an Explorer window will open - use this to browse to the picture you want to post. Highlight it and click "Open" Once the image has loaded to the site its filename will appear in the window next to the grey "Browse" button. Note - the maximum file size is 512 kb. If you then click the "Add the file" button the file will load to the site in a few seconds and you will see its filename appear.
Underneath the filename there will be 2 new grey buttons. Click "Place inline" and the attachment text will appear in your original message window. If you then click the "Preview" button you should see the picture appear. Nothing has been posted at this point so you can carry on editing and typing in your message. You can Preview as many times as you like and, once you're happy with your final preview, click Submit. And that's it! Hope this all makes sense Bob.
Photo-hosting
You can use this for larger files. I use Photobucket -
http://photobucket.com/
You need to create a (free) account, then just follow the instructions to create a personal album then upload your pictures to it. In the album settings make sure it's set as a public album. Once you've done that, each picture will have 4 lines of code beneath it. Use the bottom one and copy and paste into your message. Then continue as above with previewing etc.
Good Luck!
Cheers for now,
Stan