VBKatLou - That's not embarassing! Don't worry. Just go to your user CP, click Edit Avatar, scroll all the way down and click BROWSE. Find it on your computer.
If you want to post any picture for the boards, go to
Image hosting, free photo sharing & video sharing at Photobucket add any pictures and use the [[/img\]] codes.

Just let me know if you still don't get it.