"Just remembered , martinfocazio did a very good post on this about a month ago. A search should turn it up"
Mike, I recall his post, but it seemed to be directed to adding pictures to the body of a post. (Including off-site hosting). This is not what I was trying to do.
I am a member of a few different forums where the avatar is hosted on the on the forum server itself. They also have a specific location in the "user profile" for downloading the avatar to the server. That's it, all done.
It appears here at ETS they do not host avatars. There was also a terminology confusion with me searching for "avatar" instructions and ETS calling it "your picture" (which I had assumed meant a pidture you wanted embedded in a post).
I am all clear now and will look into the web hosting sites suggested.
Thanks to all, TR