Ok so it looks like it worked now.
I just wiped everything out and added 2 for the same cam, one URL, one FTP, and in time it worked. I think through my struggle I figured out what and why I had so much trouble and maybe why so many people have issues as well.
First of all, the size has to be smaller than 150kb, that was my first mistake. Second mistake is it has to be called image.jpg, I somehow missed that probably out of frustration, I have been trying for a while. Third, there is a long pause before it works, it has to go through approval, and every time you change something, it has to go through that process all over again. I guess I was not waiting long enough as a second error. I am not sure why URL never worked but it is irrelevant since they were both the same camera and I just wanted it working. The URL probably got flagged or jammed because I kept trying things with it including ftping to it.
I hope this helps someone.