Personal Messages (PMs) work fine, as you will by now have seen, Jim.
I'll repeat for everyone's benefit the way to turn a word or phrase in your post into a hyperlink:
So that you can see the code, I've substituted "$$$" for the code "url".
1. In the post, as you are writing it, select the word or phrase which you want to turn into a hyperlink and click the globe button. You'll see that it is now preceded "url" in square brackets and followed by "/url" in square brackets, thus:
[$$$]Your link here[/$$$]
2. Now type "=" after the first "url" and then your link address, in this case "www.raff.org", thus:
[$$$=www.raff.org]Your link here[/$$$]
Replacing the $$$" with "url", this becomes:
Your link here3. That's it!