Ron, I have downloaded that resizer applet and installed it a number of times but cannot get it to work. It is clearly installed as there is a menu option for resize picture when I right click on a jpg but it doesn't actually make the change or create a new file for me. /forums/images/graemlins/confused.gif
An alternative is simply to use whatever software came with your digital camera and then modify the size of the file to a 4x6 photo and at the same time, when saving the JPG, choose a lower quality compression value. Most graphics programs will let you see what the size of the file will be after saving in various configurations. Just fiddle until it shows the file will be less than 100kb and save it with another name.