Upload Image with comments under forums
Install CKEditor


This module will allow Drupal to replace textarea fields with the CKEditor - a visual HTML editor, usually called a WYSIWYG editor. This HTML text editor brings many of the powerful WYSIWYG editing functions of known desktop editors like Word to the web. It's very fast and doesn't require any kind of installation on the client computer.

As mentioned by darol100, for Upload Install IMCE

IMCE is an image/file uploader and browser that supports personal
directories and quota.


Here is a nice video tutorial: Installing and Using CKEditor and IMCE