There are two ways of inserting an image into a forum post. When you are composing a message, you will see a box below the message composition panel; that box is labeled
Attach and, to the right of the box is a button labeled
Browse. If you click on that button, you can browse to a image on your hard drive and attach it.
The other way is to upload your image to a website such as Photobucket.com or
http://www.imageshack.us/. I use Photobucket.com. It requires creating an account but it costs nothing to use their basic service and it's also a nice photo sharing site. Images can be uploaded to ImageShack without even creating an account. These sites generate the code you need to make your image appear in the forum.