Tori,
it goes like this: first you host your images on a site like Pbase or Photobucket and then as you type your post or reply, you press the "image" hot key under Instant UBB Code and a box will come up that shows you the site address: http://
you paste the address of the image after the http:// and at the end, add ".jpg" and it will come up in your message.

Be sure to add the .jpg and be sure to preview your post to make sure you put in the addy correctly. I usually open a new window and copy it from that window into the NWP post.

It takes some practice but once you get it, it's not all that hard.

You can always add the photos as attachments as well but that's a bit more cumbersome.

Jim