I figured I'd repost this before someone asked
SIX EASY STEPS :
1. Log into the gohabs.com forum
2. Once you have logged in, click on the top link "Profile"
3. Inside your profile you will be able to edit your personal settings. Scroll down to the last section called "Avatar Control Panel"
4. You will see three areas where you can enter avatar information. The last area is called "Link to Off-Site Avatar". Here is where you will enter the URL (location) of the avatar you want to use. URL locations usually have an "http://www." prefix Step #5 explains how to get the URL for a specific avatar.
The example below is inside your user profile Avatar Control Panel
Link to OFF-SITE avatar .
5. How to retrieve the avatar URL: Right Click the Avatar you would like to display. When the properties display just copy the URL and paste into your profile! If the Avatar is one that you want to use from your computer. Head over to a website like
http://www.photobucket.com create a free account, upload your picture, then follow the previous steps.
6. The last part is clicking on "Submit" to upload the image.
Information taken and adapted from
http://www.tigerhomes.org/animal/how-use-avatars.cfm