Hi Ken,
Inserting a picture requires that you have web space to upload it first. If you have a spot to upload pictures on the web, you can click the 'Img' button above the post box once, then paste in the url to the image, then click 'Img' again to close the tags.
It ends up looking like this in your post as you're creating it (spaces around 'img' added to prevent the BBCode from working)
[ img ]http://www.yourhost.com/yourimage.jpg[ /img ]
If you have permission to upload pictures to the photo gallery located on this site, you can link them into the forum. I went and found a picture in the gallery to demonstrate. The link would look like this (again, spaces added):
Doesn't look hard does it? If you wish to link an image in from your photo gallery, as I demonstrated above, you go to the photo, right click it (windows users), choose properties, you will see a box like this pop up:

Look at the dimension of the image and make sure it's only about 500 pixels wide maximum (first number in the 500x375 next to Dimensions). If it's larger than 500 pixels wide, some users will see the forum go off their screen because the image will stretch the forum tables. If it's 500 pixels or less, highlight the url as I have in the image above, right click it, and choose copy. You're now ready to insert the copied url inside the [ img ] [ /img ] tags in the post entry box. Click the 'img' button above the post box once, then right click and choose 'paste' to place the url, then click the 'img' button again to close the tag.
You'll end up with this (same as the example above, without the spaces):

There is also a board modification that would allow members to upload images. I'm not sure if Sam is comfortable with installing it, or if you folks have enough space on your server to allow it.
Hope this helps

P.S. Are you in the Hudson Valley area Ken? If so, I'd be glad to meet sometime. Cheers