Hi, tdm!
First of all, you have a Platinum membership.
Here's how to display it:
go to Settings(upper right)
then to Permission Groups (left side)
then select your correct membership level.
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Next, downloading pictures directly from your computer can be tricky, and I myself don't bother. I use Photobucket. Others prefer imgur ("imager"). Other photo hosting services also work.
1. I use
www.photobucket.com . Download your pictures.
Go to your Photobucket album.
Click on the picture you want.
Go to the right and see Links to share this photo
Email & IM
Direct
HTML
IMG
Left click on IMG. It will flash Copied. Paste into your post.
2. Another way: go to
http://www.imgur.com and upload your image.
After uploading, select the BBCode option - it starts with . Copy & Paste to your thread.
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Try these out and let us know how it goes.