As BS says, you need to store the image online somewhere. Photobucket provides the tag formats beneath images for using in various different websites, forums, blogs, etc. You can also hotlink almost any third party online image - although it's generally not good practice without permission as you're stealing bandwidth from the site hosting the image (and they can change it to whatever they want whenever they want).
To manually add an image to these pages, click on the 'Img' tag button and you'll get the following:
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[img] [/img]
And then you just stick the address of the image between those tags. So, using the FO forum header image as an example, it would be:
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[img]http://www.frasieronline.co.uk/assets/header/FrasierOnlineHeader.gif[/img]
to give you:
Again, as BS says, give a shout if you get stuck and someone here can help you.