You go to the photo you want to use, left click the "link photo" option under the photo, left click at the beginning of the text in the left box, when all of it is highlighted, right click and select copy..
Go to where you want to put the photo, and right click and select paste in the message area.. it should put a thumbnail of the photo where you want it..
Hopefully you will be able to follow this..
It should look like this..
If you look at the part you cut and pasted, you will see &tn=1, if you remove that part, it will create a full-size image instead of a thumbnail..
Like this..
Then if you click the photo you will go to the location it is actually at to rate/rip/copy/etc..
Also works for comments and any place else you want to add photos that you have/seen on Fubar..