it's easy it insert an image... when you reply you can find a icon that looks like a little mountain with yellow background... You don't need IT!!!! To insert a pic first go get a
http://photobucket.com/ account (FREE-NO SPAM) and then load your pics on there. Once you have loaded your pics to photo bucket you hold the mouse over the picture you want and copy the IMG code... Then paste it here... Once you have pasted the IMG code here, click submit reply the pic will just appear in the post. You are basically telling the post board to go retreive information from a different location on the web...
IMG http:// address of photo /IMG
That is what it should look like...