1. Your pic has to be posted (an available) on the web somewhere to be 'accessed'. Yahoo, Geocities and some other hosting places won't work unfortunately.
2. Link or embed the URL in your msg.
For example if your pic is hosted at
http://www.whatever_url.com/mypicturename.jpg you would put the [img] tag in front and one [/img] tag at the end of the url.
That help?