Edited your post, please be careful to use "reply" and not "quote"; also, small photos actually work better.
I shrink mine in "Paint" by 66% and even THEN they tend to be too big - both too big to display well AND too big to download quickly.[/QUOTE]
I do not shrink the size of my photos, I just add them and the site automatically shrinks them to fit, I like big photos as you can see them easier. Downloading is fast, no problem.