I'm not sure about the photo section, as I've never used it, but certainly on the other branches of the forum, the picture needs to be hosted.
So with a hosted picture, one uses the 'enter an image' button and give the address of the picture. Either use your own webspace (I did) or use something like photobucket.
With squiggly brackets so you can see what it does:
{img}http://www.slidingpillar.co.uk/images2/Mad2small.jpg{/img}
And with the square brackets in place, you get this.
Madresfield in 2009, my three-wheeler gets a push from helpers (one you might recognise) as has no reverse gear.