Hi Biggles,
I use http://www.picresize.com/to resize my picture to acceptable forum limits.
1. Go to the link.
2. Click the Browse button to upload your original picture.
3. Click the yellow Contine (resize,crop & special effects) button
4. Leave all settings alone and scroll down to the bottom part that says 4. Save As and chancge the Max filesize to 18-19 kilobytes
5.Click the yellow Im Done Resize My Picture
6. Save to disk - place it on your pc where you'll find it again !
7. Upload the new resized file (called rsz_xxxx) to your photo uploader (Flickr, Photobucket etc) and click the link once uploaded to paste it in the forum.
Hope this helps...Glenn