Hi Lynda! Please don't quit! You're so close...I'm not Kathryn, but maybe I can help?

You're not so very far off. I think this is what you wanted?

(Very pretty garden, BTW

)
The second set of code that you used is the one I worked with to get your image. The first is a link to the file on your computer...and the board's software can't access your computer--which is a good thing, so you need to have the image posted to a website. Your second set of code is from your Picasa WebAlbum, so perfect to work with here!
You were almost right with the code, so let me show you the two things that need to change. Here's the code for the second link as you posted it:
[imghttp://picasaweb.google.com/llcriswell/2442ValeDriveSpring2010?authkey=Gv1sRgCNewkfDErMzkHw#5466417669594745186][/img]1st, the closing bracket of the first "img" tag is in the wrong place (you have it after the url address). It needs to move to the immediate right of the "[img" that starts the code string. Your code will then look like this:
[img]http://picasaweb.google.com/llcriswell/2442ValeDriveSpring2010?authkey=Gv1sRgCNewkfDErMzkHw#5466417669594745186[/img]Which will get you the infamous "red-x in a box" (or "blue-? in a box" if you're using a Mac), thus:

The good news is that getting that result means that we're getting the image tags to do what we want them to...so that's good! But what they find when they go to the address we've given them for the image isn't an image file.

Which is the second thing to fix. So...
2nd, the url address you've used for the link is the url for the page the image is on, instead of the url for the image itself.
We just need to get the right url for your image. The easiest way to do it is to right-click on the image itself, then choose "properties" from the dropdown menu, then copy the url shown & paste it here. When I do that on the page with your picture, I get this:
http://lh6.ggpht.com/_CuKT1Dgj6T8/S9yd6H4dCWI/AAAAAAAAD6Y/FsxKbgh0Is4/s512/CIMG1473.JPGOnce you've pasted it here, highlight it again, then click the "insert image" button (2nd from the left in the 2nd row of buttons above), which will put the "img" tags around the code, which will look like this:
[img]http://lh6.ggpht.com/_CuKT1Dgj6T8/S9yd6H4dCWI/AAAAAAAAD6Y/FsxKbgh0Is4/s512/CIMG1473.JPG[/img]That should do it!
Please give it another try, Lynda! You're really close.
Lisa