diane,
you can change your options on how you see your replies.
go to the User Cp.
click Edit Options.
under Miscellaneous Options change it to Enhanced Interface Full WYSIWYG. ( stands for what you see is what you get. )
click Save changes.
then when you reply and want to upload a picture use this

.
i also have a sticky on the computer forum that is stepp by step with screen shots on how to store your pictures on photobucket.com and post them here.
i'll also give you the link to the thread that has some easy graffics sites. you just copy and paste the codes. no uploading.