Tried different ISP - same result but I finally figured out what was going on
It seems that in addition to a file size restriction (<1 MB) there is a picture size restriction. I down sized the picture to make it smaller (L X W) and then everything worked fine
It would be useful if there were a one line information note where you upload files that summarized the restrictions: file size, picture size, and file types!
Thanks to everyone who tried to help.