If it's a picture on the web, you can right-click and go into Properties to find the web address/location for it. Then come here and click the

button and paste that address into the pop-up box.
If it's a picture on your hard drive, you can click on the File Manager link when making a reply, browsing for the image on your hard drive, then adding (uploading) the image, then clicking on "Done adding images" -- it will attach the image to your post.
OR - You can upload the image to a free image host like photobucket.com and then follow the instructions above. See
Double-J's Custom Avatar FAQ for further details.
Images need to end in .gif, .jpg, or .png
Please make sure images aren't too large to display on the BB -- if it is, you'll need to resize it with an image editor like Paint or Photoshop.