Re: how to lower the image otions quality in the jpeg options
did you mean Photoshop 4 or Photoshop CS4? If you have Photoshop CS4 press the following keys to save for web:
Ctrl+Alt+Shift+s
You can also access this by going to File>Save for Web & Devices
From this screen you have a ton of options to shrink the file size of your image without losing too much quality. Hope this helps.
If you are using Photoshop 4 my best advice would be to find someone with a better photoshop to bring the file size down for you. Best of luck!