Ok, I hope you understand this! (I'm not great at explaining!)

You need to have your photos uploaded somewhere (either your own personal website or....right now the only photo place I know that lets you cross post is ImageStation)
After you've done that you right click on your picture, click properties, then copy the address.
Come back to Pet Talk & start your post, where the vB Code is on the left click IMG-then paste.
If you click reply in my post you can see what it looks like