It works
You know what it was ? I was renaming the picture so i could find it and i was deleting the " jpg " text
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just for reference the way i did it was
1- open the image in Photoshop
2- under the "help" list go to "resize image"
3- the resize assistant asks you what the image will be used for . I select "online"
4- it asks what pixels size i use 400 or 500 width.
5- your smaller image will open in a new window . now i close it and it asks me if i want to save it "save"
6- save as window appears i rename it but
save the ".jpg" text and it want to know the format and i use "JPEG" This is the only format on my photoshop version 8 that asks later what image options .
7- after save the Image option window appears on this window you get to change the image quality and instantly see the sizer at the bottom so it is under 100-kb. when it is hit "OK"
8- now when i post i can attach it ..
Thank you to all who helped me thought this challenging time in my life

. I fell so much smarter today