"floyid" writes:

My cell phone (CDM8940) has a removable memory card (compact SD) and I
am able to download ".jpg" files to my PC.

I am not able to open these files on my PC. My graphics programs
(Windows, Photoshop, VuePro,IrfanView) do not recognise these ".jpg's".

If you post one of these files somewhere, most likely someone will be
able to tell what's going on with them.

--
Måns Rullgård