A couple of methods for inserting a text "at" or "around" selected text in textarea
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README.txt
jquery.textarea.caret.js

README.txt

Here're couple of dummy methods for working mostly with textareas.
They're formatted as jquery-plugin.
$("textarea").insertAtCursor("some text"); // inserts "some text" at the cursor-specified position.
$("textarea").insertAroundCursor("before text","after text"); // inserts "before text" before the selection and "after text" - after it.