1) hover cursor over picture and right click.
2) from choices showing, click on "Copy image address" (Google Chrome) or if using another browser, the similar choice
3) Paste (where you're replying)
4) at the beginning of the image address, type < img src=
a) [NO space between "<" & "img"]
b) [ SPACE between "img" & "src"]
c) [NO space between "src" & "="]
d) [NO space between "=" & beginning of address]
5) at the end of the image address, type > with no space between the end of the address and ">"
Piece of cake.
(I got the above from googling "images for picture smiley face" and went though the same steps.)