How to upload photos

I’ve got at least 8 hours in this without success. In trying to upload a photo I get an error: “Error saving media attachment.”

My php.ini file reads:

upload_max_filesize = 10M
post_max_size = 10M
max_execution_time = 30
memory_limit = 64M
register_globals = Off
magic_quotes_gpc = Off
safe_mode = off

My htaccess file contains:
suPHP_ConfigPath /home/cotto40/php.ini