I've run into this before (well, I got the first "busy" message you reported, then figured out there was prohibited text). I didn't have any smileys or links either -- just a term/phrase that is blocked for understandable reasons. Not a vulgar or obscene phrase by any means, just one that might interfere with the business objectives of this site. And no, I'm not going to say more than that.
Try taking some things out of your intended post (write it in Word or some other application) and post it that way. If you feel you need to, you can edit the post (the little pencil icon in the row above each of your posts) and add some words back. That should help, but further discussion on what the offending words are might be frowned upon.