Hello,
To add a picture its not too hard.
Yes there is the Insert Image icon which asks for an URL which is useful if you have your picture/image stored on something like Google+, Dropbox, Photobucket, etc where you are provided a URL to link to the image.
Otherwise if you look at the bottom of the post editor, lower right hand corner you will see an option that says GO ADVANCED. Click on that and it will pull up the post editor in a more advanced form with other options.
Scroll further down and you will see Additional Options/Attachments/Manage Attachments/
Click on that and you can then upload any image or allowed file type directly from your computer or device to the post/forum.