I am showing my dumbness, but cannot find the icon to click on in order to post a picture. HELP!!

I by pass that. I right click on the picture and select copy image. Then right click and select paste in the reply window.

when you are going to reply- send a message there are 3 options---Post Quick Reply; Go Advanced & Cancel
if you click on go advanced a new page comes up with options- click on 'manage attachments'
then a box comes up that you can click 'browse'
locate your picture= click on it- then choose upload- a message across the bottom will say----uploading photo- please wait-
when it is finished you can close that box= then click 'submit reply' and the picture & your message will post.

ckcowl is right, just make sure you picture is the appropriate size, it gives the max sizes at the bottom of the manage attchments page

if you are not seeing the picture frame with the tree, go to settings, general settings, scroll near the bottom and choose WYSIWYG. save your changes.