Can't Upload Pic or Create Dirs

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Awesome contribution!  If I can just this last bug out I'll be even more thrilled.

Okay, I'm sure this isn't new, but I just went back through about 10 pages and couldn't find the answer (probably looked right over it) for this:

I've got a clean MS2 install, copied the wysiwyg_ms2.zip files over top of it, ran the SQL, and everything seems to work great.  Except:

When I try to upload an image I get 
[code]File 'file.gif' could not be created[/code]

When I try to create a directory, I get 
[code]Folder 'testdir' could not be created[/code]

Can you tell me what I need to check, or give me a link to a specific article that has the answer to it?

Thanks!

  - Brian