for web images
All same settings for this process.
Go to the advanced editor. Use the guided mode, click on the little yellow icon above the editor box (it's beneath the size drop down on the font/size/color selections) If you look carefully it looks like a yellow sky with black sun in the upper right hand corner, and a black mountain. Or maybe it's an envelope with a stamp and a picture of the mountain.
This will bring up a dialog popup window with a place to insert a URL for the image you want to put in your reply or post.
Enter the whole URL including the "HTTP://"
If you just put the www.xyz.com/image123.jpg
You will get the link and no image which is what I did on the second test post.
If you are not getting these popup dialog boxes then something on your computer is blocking the popups. For these problems I need more info as far as what software, browsers, aftermarket software, ETC.
BE AWARE: you may think you are not running any popup blockers but the google enhanced toolbar and I think Yahoo's enhanced tool bar both have built in popup blockers. Also AOL, Earthlink and Prodigy may have also included popup blockers in their "enhanced" Browsers.
If you are using these, please check this out as well.