In laymans terms (as requested):
1. Read the instructions which are in laymans terms. ( {A Link to an old CBF topic was here - no longer available}766 )
2. If this still doesn't make sense don't post pictures.
3. Type words.
It cannot be made any simpler, if people don't know the difference between a url for a pic on the net and the location of a picture on their hard drive then this new fangled photo posting isn't for them quite yet.
Thank you
Scunner