I am a bit confused by your comment regarding the path to the Forum and photopost...
I fully understand the permissions part. I am using Smart FTP and it seems that my host will not allow me to change permissions through that and therefore only through the admin cp for the hosting so I can fix that.
Is it possible that because of the fact that the permissions are not set right that it is not saving the paths I enter for the forum and photopost?
I had input them as
www.mydomain.com/Forum and
www.mydomain.com/gallery
Just wanted to make sure before I go changing things again.
Thanks for the help