Thanks for replying Mark, that was the first thing that I thought too, even with a model made in Carrara 5 Pro like the one shown (It was one made by me using most of the functions in the Vertex room.

I found the problem (however, it shouldn't be one).  Not all .jpgs are created equal or some .jps don't work well with Carrara's 3d Paint program.

I found one that worked and will be using that one as the base to build other textures on.

That one I used on the above model and the paint function worked. 

It could be that my Carrara 7 Pro did not load correctly.  Ninety-nine percent did.  I'm going to do a complete reload with UAC off and using the admin function this time.  Software is such a wonderful thing.  Jan