It's pretty easy to insert a link. If you don't remember the language for it, you have a button on every major interface for both comments and posts. Looks like a chain link. You just enter the text and URL there and it will be inserted in the post/comment.

You don't need permission to quote someone, but usually a link to his/her post is useful if you talk about one of his/her posts. For comments either a link or an screenshot if you want to be very documented.

You can tag someone like this @username to make him/her aware you are talking about him/her.

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