If you are using Photoshop, try this:
1. in the Image Size... window, set your longest width or length to 640 (Make sure the Constrain Proportions is checked and that you've selected Bicubic for Image Resampling)
2. Now is the time to use Unsharp Mask and add a border, if desired.
3. Select the Save for web... feature, which will bring up from one to four samples of your image. In the little Quality window, start with 100 and work down until the image size is smaller than 147kps. If you go below 75, you may want to change the image size so that quality in the photo is not lost (you can do that in that same Save for web... window).
Good luck!
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