Mick & Jill,
Whilst in Photobucket, click on 'Share' , then click the 'link code tab'.
Then you need to highlight the code that is in the box under IMG for bulletin boards & forums, once you have the code highlit, press ctrl & c (copy), then all you need to do is paste (ctrl v) this into your forum post.
A preview before your post will show if you are successful or not.
I'm sure Terry has gone through all this with you, but it took me ages to get to grasps with it when I started posting photo's on forums, so every little helps!
Hope this helps.