Grudge,
A URL is a Uniform Resource Locator, or more simply, the link to your image. For instance, you had to put the following in to get your signature to work:
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[img]http://www.wideopenwest.com/~tasmania4427/welderwithtank.gif[/img]
The part between the img tags is the URL. So if you find a picture you like, you just copy the location of the image (right click-> Properties -> copy & paste) in between img tags and you are good to go.
Lemme know if you have more questions!!
-Arch