If you are hosting a photo through the forum you need to click this icon
make sure "File" is checked and click browse.
Browse your computer to find your image and then click "Host It"
You will then see another menu come up which has "Thumbnail:" "Image:" and "Image URL:"
Beside each of these is a "Copy" button, click on that (I usually use the "Image" copy button) this will copy it to your clipboard. Then just click into your reply area where you want to put the image and paste it. I use keyboard shortcut Ctrl V for pasting.
Once you have done that you may need to click your preview button to get rid of the menu.
If you click upload it doesn't work, it sends it back to the first menu so you have to browse again - stupid I know!
Try that anyway Misty and see how you go. If all else fails you can still paste images in here from Photobucket using the old fashioned method!