The way I do it is:
1. upload a picture to the gallery.
2. Click on the picture that is now on the gallery to make it full size.
3. Right click the image and "copy image URL"
4. In the response buttons (above the wink smile guy) click the button the says "insert image" on the mouse over.
5. Paste your the "image URL" in between the two HTML commands...(the commands are inside the brackets [ ]
6. Hit the "Preview" button ( below) and your message will be previewed (with the picture) at the top of the page. NOTE: Some sites require a space after the the close bracket of the start command ] and again before the start bracket of the end [
(in English: put a space in front and behind your image address!)
This site does not require it...but it doesn't hurt anything to put them in. You can use the image URL from any public site (like Windows Live Skydrive).
If you can't figure it out...call anyone between the ages of 9 and 20 to help you!!