If you have a program like Photoshop or Elements, or any other that will let you reduce the size of the pic, try reducing it down to a 5"x7", and see how many MBs that is. I reduce all mine to that size, and then use the crop tool set to 5"x7" and crop it to what I want. That way, my pics are under 1 mb, and not a problem at the host or the forums. Of course, the original stays at it's original size, so you've not hurt anything. The pics on the host site are copies (but you probably already knew that).
Now, if you want to send the original large files to friends and family, I know a good way of doing that. Email won't let you send large files, so I found Dropbox
http://www.dropbox.com. It's free, and very easy to use. You can send large files back and forth using it. Easy instructions are with it too.