do I need to adjust the url structure of the site?

I just wonder if I need to adjust the url structure of the site to make it keyword rich.

for instance:

http://www.bigmoneybox.com/forum/f4/index29.html

http://www.bigmoneybox.com/forum/f4/has-anyone-completed-challenges-moto-gp06-xbox-thread-565.html

http://www.bigmoneybox.com/forum/f2/happy-halloween-big-money-box-staff-thread-13390.html


what are some changes do I need?