Hi Lois,
Your MSN account won't allow you to link to a pic, I believe. You might want to disable the link from your profile, because (I don't know if it's happening to anyone else) I am getting a pop-up window asking me to join msn users and I think it's because of the link to the pic in your profile-sounds weird-I know.
You can open up a Photobucket account (it's free-YAY)and upload your pic to Photobucket use the URL (direct link) in your profile and then you'll have it nailed, it looks like you're doing everything else just right!
Welcome to Newf Net, btw!