Hey sterling, you say the picture is an icon on your desktop? It needs to be uploaded to a server. I believe you can store it here!
You can also store it free of charge at myfishingpictures.com.
Once you upload it to that site, you will see a path that is generated for you to use on the line marked "Image Link". It will look something like this
http://www.myfishingpictures.com/img/008665.JPG
Right click it with your mouse to copy the whole line, this way you won't have to remember it or write it down. Then when you compose a message here, when you want to insert it, right click in the text where you want the photo to show up, then click paste.
Now when you want to get your photo to show up, just add [img]
before%20that%20line%20and[/img]
after that line.
EXCEPT REMEMBER THIS I HAVE
FLIPPED BOTH
OUTER SQUARE BRACKETS IN THE LINE BELOW, OTHERWISE THE PHOTO I'M LINKING TO WOULD ACTUALLY SHOW UP INSTEAD OF JUST THE "LINE". SO THE LINK YOUR CREATING SHOULD START WITH [img]AND%20END%20WITH[/img]
]img]
http://www.myfishingpictures.com/img/008665.JPG[/img[
Once you've done this, press preview before submit and your photo should be visible. If not tinker with it until you get it right, then hit the "submit" button.
If you get real stuck, call me, I'll pm you my cell phone number.
Hope I haven't confused you too much

Sell your Island yet
Goodluck
