Hi Mont,
If the photo is already online or on your computer it's pretty straight forward.
Click on the Profile menu
On that page, hover over the Modify Profile menu and click on Forum Profile
If the avatar is online somewhere, select Specify avatar by URL
If it's on your computer, select Upload an avatar
Newie
PS. You've been upgraded you to Standard membership which is what KMC was referring to. This gives you the permissions to upload photos etc