Ron...took a look at your pics. Again, use whatever tool you want, but Photoshop Elements (used by a few billion first, second and third worlders) would allow you to downsize while keeping good quality. I note that your last posted pic is only about 50kb, probably because the XP tool didn't give you the choice on resolution. When you downsize and then save the copy on elements, you can adjust the resolution independently...again, 100-150kb is pretty good for a 640X480 size. Also, a little lightening can help when posting on the internet or e-mailing pics.
Here's your pic at 50kb...
Here's your pic after I lightened and sharpened it up a bit and saved it at 150kb. Now, that's working from the small/low res pic you uploaded. The results are even more pronounced if doing the same types of things from the original high res. Just trying to help...ignore it if you don't have any further interest.