Go to the photobucket site and enroll. The basic service is free. Click the uploader button and follow the directions. Use the browser to find a picture on your drive and upload it. I don't use the various label options, but there's no harm in it.
When you have your picture uploaded, you'll see it. Put the cursor on the picture and there will be a dropdown menu with a number of links. Pick the second one down (usually); it'll be called "direct link" . Click on it once and it will copy it. Back at good ole FSM Forum site, in your text as either a new post or a reply, insert the following string of characters.
(img)(/img)
EXCEPT use [ and ], not ( and ). Put your cursor in between the two sets of brackets and paste the link from photobucket (ctrl V). You will see the link, not your picture, until you post your text. It doesn't always work perfectly; there are a number of little glitchy things, but just be patient. Once you get used to it, you can find a picture on the www, download it to your computer, upload it to photobucket and post it in FSM in less than a minute!
Good luck! Now your homework is to do one!