It's far easier to just open a web photo account (free) and post the link to that. In my case Webshots here but photobucket and several others are just as easy.
I simply post the "link to it" address off the page...
http://good-times.webshots.com/photo/2644915550088366760Kmvuma
and it shows (hopefully) as...
This site makes it a link so you don't need to add [IMG] or anything.