On photo bucket and most sites- like on the glitter-graphics
http://www.glitter-graphics.com/graphics/359362

click on the picture or graphic that you like and then scroll down to the codes section - it will say this-
{To post on Glitter-Graphics.com and forums, use this BB code:}
you have to select & copy the "codes" that are for for vBulletin or forums.
then you "paste" it right in the message box.

you can click preview to check & see if it worked.
If not sometimes one portion did not get copied so I usually recopy it again and try a second time.

no need to download anything for these kinds of images/graphics.