While you're submitting your post, if you use the 'Image' link in the 'Instant UBB Code box' it will ask for the image url. Just past it in the box, click 'OK' and it will add the code and place it at the end of the text you've put in the 'Post' box. No matter where the cursor is, it will put the code and photo url at the end of the text you type. Just remember, if the link you get doesn't end in .jpg or some picture file, you may have grabbed the location but not the photo.
