Well some day I probably will want to get a true live streaming image off the camera and I also plan to learn more about PHP too so it wasn't a waste. For now I've got an image that refreshes every X seconds so I'm happy. That HTTP authentication issue was huge so that helped too.
By the way, if you turn off HTTP authentication people who know a bit about the camera can go right into your admin page and mess up your camera (now who would do that!!!).
The trick was to leave HTTP authentication turned on but uncheck the Snapshot Authentication.
Thanks everybody!