| Ruth,
Make sure it's saved on your hard drive as a jpeg - looks like a html from the link
Then when you post your reply (not using the quick reply at the bottom of here, but the little white box on the bottom right that says 'Post Reply' - or something like that..
Then click on the Add image icon (just below the drop-down of the text size) - looks like a small triangle pointing at a yello/grey square)
Or........add the file as an attachment at the bottom of the post area - here's where you have to find the picture from your computere - so you need to have saved it on there somewhere
Does this help or have i cocked up ......again?
Jas | 
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