Save your picture as a JPEG file then check the file size (right click on it, if you're using windows, go to properties), it should be less than 102kb. If it isn't you'll need to resize again before uploading.
Alternatively, you could create an MSN Group to host your pictures where they give you 3MB of storage for free. I'm not sure how private the groups are though so bear that in mind if you do use it.
See Phredgreen's guide in the 'how-to' forum for full instructions.
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