Townie, this is what I do and it always works.
Go to
www.tinypic.com. Click 'browse'. Your pictures files will open. Click the pic you want, it turns blue.
Click open at bottom of pictures window. The URL appears in tinypic. Click the green upload box.
Type the security code it shows you. Tinypic opens a new page with choices. click the second one down, it says IMG code for forums and message boards.
Hit reply on forum, select appropriate check box under reply window and right click, select paste from drop down menu.