When you use photobucket -
upload the image, and then once its up there go back to the normal view. Under the image, in one of the little field that are there should be the [IMG ]http://photobucket....transporter1.[/IMG ] guy. Just paste him into the text body.
You can also use the little button above the window that you type the messages into within the forum itself. That one just does the html code for you. Its the little mountain with a sun above it. ( yellow and grey) In that case just copy the URL from photobucket that is just a plain old html:// blah blah blah....
I hope that helps. I just woke up.