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Andy gave good info...it can be tricky.
Picture must be web-based with URL...it will not let you upload from your hard drive, unless you move picture to "cloud" address.
Andy is also correct if picture has copyright from Getty/Pinrest ... etc. it just give you a big RED X...
All the Best
Actually, you can do that.
Go to the forum "test" area,
select any posted thread, and choose "reply" (or create a new thread).
then select "upload a file",
point it to any pic on your computer upload it to the forum.
then copy the URL it creates and paste it to the chat IMG box.
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