Have You Been Singing The Foreclosure Blues?

Just recently, I attended a foreclosure sale in my area that was literally packed full of other investors. I'm sure it's pretty much the same in your area. The home being foreclosed on was worth an estimated $35K in it's as is condition.

It was amazing to see the bidding start out at $20K and itch its way upward and end at over $50K. And what was scary was some of these investors bidding didn't know if the foreclosing bank was a first mortgage or a second!

That's the first sign of a disaster. If you're going to bid at the auction, then you should do your homework and know what you're bidding on and what position the lien was in. It's not a pleasant experience to win a foreclosure auction, only to find a superior lien that has to be paid off before you can sell. That's never happened to me because I've always done my due diligence.

Now, some of these guys get way too emotionally involved in the bidding process and lose all reason for buying at the foreclosure sale which was to get a deal at a deep discount. And that was exactly what happened in this instance.

Anyway, what do you make of a foreclosure sale that happens this way? You invested your time to attend and the bidding has gotten out of hand, so what do you do next?

Do you take part in the bidding war? Or sit back and have a gripe session about the situation?

I think not.

See, this is an excellent opportunity to get to know others with deep pockets. Simply observe what's going on around you and network to get to know the other guys bidding, because these investors are an excellent source for private money or to flip your deals to.

Where else can you find targeted, pre qualified buyers for your deals?

First, you know these investors that are bidding are interested in real estate or else they wouldn't be there bidding. Next, you know that they have cash or access to cash. So, if you deal with them, then more than likely funding wouldn't be a problem. Finally, these people are easily reached and you can meet them without research and without buying any type of list. All you have to do is introduce yourself. Grab their business card and simply ask them if you found a deal would they be interested in looking at it. Most will encourage you because they're always on the lookout for more and more deals.

Now, you can start building yourself a list of qualified, hungry buyers to flip your properties to or to find private money to fund your deals. If you fail to see this as an opportunity, then you're a real knucklehead. Where else can you find so many red-hot, motivated buyers, all at one place with money ready to buy your next real estate deals?

Derek Pierce is a full time real estate investor and business owner. He got his start investing in real estate when he bought his first property in September of 2000. After this first deal, Derek literally became obsessed with Real Estate Investing. After being faced with the possibility of being downsized in 2001, he quit his job to be full time in the business and hasn't looked back since. Now, he reveals the no down payment real estate techniques he swears by in his Free Real Estate Investing E Coaching Program. To sign up for the Free E-coaching program, go to http://www.thereisecrets.com

What Matters in Real Estate Investment: Location Location Cash Flow

The media is full of stories about how Option ARMs and exotic mortgages are the scorage of the real estate industry. Nothing could be further from the facts. Exotic loans have extended the real estate boom, and possibly lower default rates for marginal borrowers.

Option ARMs are tools when used prudently allow a borrower to control their cash out-flow and make payments fit their income. In the past lenders required mortgages payment on their monthly schedule. Option ARMs give the consumer the ability to pay principal and interest when its best for the consumer.

I believe the exotic loans are good tools for borrowers who know how to use them. Interest only payments allow a borrower to pay a smaller payment when cash flow is low, and pay down principal in better times. These loans actually reduce the risk of loan default, because default only happens when a borrower can't make their monthly payment.

Therefore any loan that allow this kind of payment flexibility should be seen as a positive for loan quality and stability, not riskier?

The consumer clearly understands the value to interest only and exotic payment mortgages, this is why they have become the most popular loan options. But few consumers are being interviewed to defend why they choose these loans.

Option ARM mortgages enable savvy consumers to better manage their own personal cash flow.

Bob Waun , Founder & CEO
Vacation Finance
waun@vacation-finance.com

Vacation Finance is America's First Second-Home Lender, and believes in the benefits of real estate ownership for all Americans. Vacation Finance is creating a market for unique cottage, land, condo, condo hotel and fractional ownership loans.

Staying Calm When Home Values Drop

As the real estate market cools off across the nation, many people are getting nervous about reductions in the value of their property. There is little reason for such stress.

Staying Calm When Home Values Drop

The real estate market can be looked at in two ways. First, you can look at the movements on a monthly or annual basis. When doing so, you will see moves up or down and perhaps stress yourself out far more than necessary. Alternatively, you can look at prices on a long-term perspective of five years or more and predict where they will go based on historical trends in real estate. By far, this second approach is the way to go when it comes to viewing the value of your home.

Unless you live in Texas or Colorado, there is no denying that you have probably seen significant appreciation gains on your home over the last ten years. The market has been about as hot as it ever has. Properties in Las Vegas, for instance, were appreciating at a staggering rate of twenty-five percent or more a year. A YEAR! On paper, a lot of people became millionaires because of the equity gains in their home. As always, such growth could not be sustained inevitably.

The gains you have made over the last five years or so appear to be under attack at the moment. Across the nation, we are seeing a pull back on home values because of a cooling real estate market. It is important that you don?t overreact to this pull back. The gains you have seen in the last few years were paper gains, to wit, they did not put money in your bank account unless you pulled money out of your home. As home values cool, it is important to realize any loss of equity is also a paper loss, to wit, you aren?t paying anything out.

A map of real estate prices over the years would show a continual up trend. Yes, there are variations over a two to three year period, but the overall trend is an increase in property values. There is no reason to believe this will change anytime soon. The current pull back on property values will pass and your home will start appreciating again. It may take a year or two, but it will happen. Relax!

If you are seeing a pull back on the value of your home, you should not sell unless there is some other compelling reason. Practice patience and you will see prices rise again in the near future.

Raynor James is with the site - FSBOAmerica.org - FSBO homes for sale by owner.

Finding Property around the Costa Blanca in Spain

The Costa Blanca area, which means “the white coast”, is one of the most desirable locations for a holiday travel to Spain. This area has a large, beautiful coastline and a natural environment. It is culturally rich and has a healthy climate. The area is dry in the summer and not too cold in the winter.

Areas for Costa Blanca Property

The highest demand for properties is in the northern, mountainous resorts of Denia, Javea and Altea. In the south, Alicante and Torrevieja are sought after. The coastal properties are generally more in demand than those inland.

Nearby amenities and attractions impact the value of any real estate. Benidorm has many attractions, such as a theme park, water park and marine animal park. This makes the city a popular choice for families.

Torrevieja, south of Alicante has the biggest salt water lagoon in Europe located just south of the city. This lagoon is actually a portion of the Mediterranean Sea that has been separated by a small piece of land. This area is popular for salt baths and spa vacations. The warm, salt waters have health and relaxation benefits.

Nature attractions are big in this area of Spain. The natural beauty of the Mediterranean and surrounding areas makes this a perfect spot to enjoy nature. The Nature Park at Montgo in Javea norths of the Costa Blanca is a popular nature attraction. This park is located on the sea. It has flora, fauna, rare birds and plants.

Finding Real Estate along the Costa Blanca

You may be wondering how to find properties around the Costa Blanca? You can do a search on the internet to find available listings. Another option is to contact a local real estate agent. It’s a good idea to deal with a local agent. They know the area very well and will be able to advise you about certain areas and neighbourhoods. They have inside information you won’t get with the internet alone.

Real estate prices in Spain have risen to record levels in recent years. This is especially true in the Costa Blanca region. There is some evidence that the market is levelling out and possibly dropping a bit at this time.

There are several reasons for the increase in activity for real estate in this area. Low interest rates make taking that mortgage a little easier to handle. Rising incomes and foreign interest in the area also affect the prices. The investment potential is good, since this area is so popular for vacations. The location of the region is convenient to most countries in Northern Europe.

In general, inland properties are cheaper than those near the beach. In addition to the cost, you will get more land with the property. Fruit trees and even orchards on larger pieces are common inland. You can still be within a 30 minute drive of the coast, so you will be able to enjoy the beaches. However, you will need a car hire for vacations inland.

Renting Your Property

If you only plan to use the property for part of the year, consider renting it. Renting your real estate for part of the year is a good way to get income while the house is not in use. The money you make in rent can help the place pay for itself.

The price you will get depends on the size of the property. The location and amenities will also affect the rent you can charge. Amenities such as a pool and Jacuzzi will bring in more income than without these. Proximity to attractions, restaurants and shopping make a property more desirable for renting as well.

The time of the year will also affect the price. The highest prices are charged in the summer. This is the peak season for travel to this area. If you will be using the place in the summer, consider renting for longer periods in the off season. Sometimes retired people spend time in this area in the winter, due to the favourable climate. You may be able to rent to one person for up to six months in the off seasons.

Real Estate Investment Property Getting The Best Capital Growth

If you are looking at real estate investment and want to get the best capital growth then you need to keep 2 main points in mind.

If you do you will maximise your return and limit your risk so, here are your two important tips for maximising your returns onreal estate investment property.

1. Property Price to Reward

When buying investment real estate property we all want a cheap deal, but keep in mind you need to balance the risk reward and this means buying property with the best risk to reward.

For example, you can take a risk and buy a property cheaply in an area that may do well in the future but you are better off buying in a position where you KNOW its going to do well. For example buy near:

1. Existing popular locations
2. Changes in the infrastructure coming such as roads, marinas, entertainment etc

You know the chances of popular area spreading out are high and you also know that changes in the infrastructure will see values rise. So buy on facts, not on what you hope might happen or what you think will happen

Act and buy real estate investment properites on SOLID facts not whims or opinions!

2. Buy Into a solid uptrend

When buying a market, buy one that has and is still producing good gains for the amount you spend.

For example buying investment real estate in the US has shown solid gains but the market overall is slowing down.

On the other hand there are new property hot spots overseas that realtors try and sell you that may take off. But will they? Sure but big variable here is the word may You can make more if the market does but most don?t.

Look for a market with a track record of gains, rising investment and property prices that are fair value.

Costa Rica is a good example. A good solid up trend for years, rising investment and beach front property up to 70% less than in the US and only 3 hours away.

Will this trend continue? The answer is probably yes, as baby boomers look for new homes there are plenty of Americans in Costa Rica already and the demand Looks set to continue.

Many people when buying investment real estate property think that once a market has taken off they have missed the boat but this is not true.

Property trends can last for 20 or 30 years in some areas.

3. Get local help

If you are buying overseas real estate investment property, make sure you get a decent attorney so everything is done correctly and you are not caught out.

Remember laws in other countries are different and you should not assume their the same as in the US or your country of residence.

When you are buying investment real estate property follow the above three points and you will maximise the risk reward on your investment and enjoy some solid capital gains in the years ahead.

FREE REPORT !

For a free report on maximising your gains by investing in property and facts on great locations to buy visit http://www.costaricalandlots.com.

The Lesson of the Real Estate Rapist Conviction

The recent conviction of Oliver Hooper, the real estate rapist, presents a grim and important lesson for homeowners. In your urge to sell your home, do not throw common sense out the window.

The Lesson of the Real Estate Rapist Conviction

The story of Oliver Hooper offers a lesson for all people selling there homes. Called the real estate rapist, Hooper was a traveling salesman. During a spree that sent shockwaves through the Massachusetts and New Hampshire, Hooper tried to view homes by himself with the intent of sexually assaulting women who were showing the home on their own. In one case, he was successful and was recently sentenced to 80 years for the act. As sad as this is, an important lesson can be taken from it for people selling their homes.

When showing your home, it is vitally important that you keep safety in mind. There are some weird people out there, and you should not unnecessarily risk exposure to them. Bad apples are a very rare event in real estate, but the consequences can be horrendous.

So, what should you do when showing your home? The first step is to make sure you do not show it alone. You should have another family member with you. If you are a single person, you can ask a friend to attend the showing with you. If that is not practical, you should ask a mortgage broker to come to the showing. Mortgage brokers are happy to do so as they like to talk to potential buyers about financing needs. Regardless of how you approach it, make sure you are not alone. Two or more people generally will scare off anyone of dubious character.

The second step is to evaluate the person that asks to see the home. Again, the key is to use your common sense. If they give you the creeps on the phone, refuse to show them the home. You do not have to be rude, just tell them you have an interested buyer and are going to see if it results in a sale.

Finally, it is hard to evaluate people, particularly on the phone. What most sellers forget is that they control the timing of the showing. If your neighborhood is deserted during the work day, set the showing on the weekend. Also, try to show the home to multiple parties at one time. This is safer and creates a potential bidding war that can only benefit you.

Obviously, the real estate rapist represents the worst possible scenario. If you use your common sense and take some precautionary steps, you should not have any problems when showing your property.

Raynor James is with the site - FSBO America - sell your own home and save thousands in real estate agent commissions!

Canon Digital Rebel XTi 10.1MP Digital SLR Camera with EF-S 18-55mm f/3.5-5.6 Lens (Black)

Canon EOS Digital Rebel XTi offers an unbeatable combination of performance, ease-of-use and value. It has a newly designed 10.1 Mega Pixel Canon CMOS sensor plus a host of new features including a 2.5-inch LCD monitor, the exclusive EOS Integrated Cleaning System featuring, a Self Cleaning Sensor and Canon's Picture Style technology, all in a lightweight, ergonomic body. The Digital Rebel XTi is proof positive that Canon continues to lead the way with their phenomenal digital SLRs.
Customer Review: I love my camera
My mom and dad bought my camera for me for Christmas one year and I use it all the time, it's the best present they could have ever gotten me. It takes some of the best picutres I've ever seen and I have friends and family that ask me to take pictures of them all the time.
Customer Review: Mother of two finds a serious upgrade to the point and shoot! Fabulous and Fast
After taking thousands of pics of my two year old and my new born with my HP point and shoot, I finally gave up. None of the pictures were of the 'moment' or 'expression' I was trying to capture. I was always taking pictures of their backs or their looking away or xxx. Anything but what I wanted. Then the quality of the pictures were never quite right unless I took the picture in full blown day light. Finally decided to splurge. After extensive research on the Canon XTi vs the Nikon, I ultimately opted for the Canon. I bought it along with the portrait EF 50mm that seems to be highly rated by many. I later purchased the EF 28-105mm. Upon receiving the camera, I went to town taking pics of my little ones. What I found: Pros: - Fast. Very fast. Wow. I've yet to miss a shot. - Outstanding pics. Pics with the EF28-105 good. Pics with the EF 50mm, outstanding. Many look like they were taken by a pro. Trust me. I am no pro. I'm a working mom looking for some good pics to put on their website and send to Grandma and Grandpa. On average, with my point and shoot, I'd get 1 out 20 that were worthy of that. Now, I average 5-6 out of 10 at a higher bar of course. - Versitile. I can play around with different settings and Canon lenses. Fun but expensive. - Battery charges fast. Battery life outstanding. I honestly don't think I've had to charge the batteries but 2-3 times since I bought it five months ago and have taken thousands of pics. - The 4GB SD card keeps more pics than I could ever want. Cons. If you are a working kind of mom like I am and just want an awesome camera to take awesome pics, you've found it. However, there is one big downside: it's bigger...way bigger than a point and shoot. It's not as easy to throw in your purse and go out for a splash day. I have found myself leaving it behind because I just didn't want to lug it along with the diaper bag, a toddler and an infant...car seat, snacks, toys, bottles, wipes...etc. The bag is heavy enough. But, those pics are priceless as far as I am concerned and will sacrifice more often than not and find myself glad for having done so. LENSES. This took me longer to figure out than which camera to buy. I searched for a month before I committed. Given the affordability of the 50mm and its reviews, I opted to do without the kit lens. Admittedly, I regretted it at first. What!? No zoom. As you can tell, I'm a serious amatuer and didn't know what I was getting into. But, despite the one time I wanted to take a group pic that required me to step clear to the other side of the house to get them in, 99% of the time, I'm trying to get a good close up of my kids...many pics by default at this age tend to be close ups. Then, there is a subtle difference between the pictures I have taken with this lens and the 28-105--crisper, cleaner and outright beautiful color. The 28-105 is actually not bad especially if you use it with the hood. The zoom is about what I figure I will need at ball games and ballerina recitals when I don't have to worry about lugging a diaper bag and keeping after a climbing/crawling baby. For the price, I figure it's doable. There you have it, Amazon shopping Moms. I hope this Review was helpful. I found many of the reviews targeting semi-pros so it took a while to sift through it all!

Canon Digital Rebel XSI 12MP Digital SLR Camera (Black Body Only)

For stunning photography with point-and-shoot ease, look no further than Canon's EOS Rebel XSi. The EOS Rebel XSi brings staggering technological innovation to the masses. It features Canon's EOS Integrated Cleaning System, Live View Function, a powerful DIGIC III Image Processor, and a 12.2-megapixel CMOS Sensor with Optical Image Stabilizer. The EOS Rebel XSi's refined, ergonomic design includes a 3.0" LCD monitor, compatibility with SD and SDHC Memory cards and accessories that enhance every aspect of the photographic experience. Image Format - 22.2mm x 14.8mm 3 - 2 Horizontal - Vertical Aspect Ratio Color Filter System - RGB primary color filter Low-pass Filter - Located in front of the image sensor, non-removable Recording Format - Design rule for Camera File System 2.0 Image Format - JPEG, RAW (14-bit Canon original) RAW+JPEG White Balance Settings - Auto, Daylight, Shade, Cloudy, Tungsten, White Fluorescent Light, Flash, and Custom Focusing Modes - One-Shot AF, AI Servo AF, AI Focus AF, Manual focusing (MF) Metering Range - EV 1-20 (with EF50mm f/1.4 USM lens, ISO 100) Exposure Compensation - Manual 2 stops in 1/3 or 1/2-stop increments and AEB 2 stops in 1/3 or 1/2-stop increments AE Lock - Automatic when focus achieved with evaluative metering and One-Shot AF, and Manual by AE lock button Shutter Type - Electronically controlled and focal-plane shutter Shutter Speeds - 1/4000 seconds to 1/60 seconds, X-sync at 1/200 seconds, 1/4000 sec. to 30 seconds, bulb Self-timer - 10-seconds, 2-seconds delay or 10-seconds delay plus continuous shooting Brightness Control - 7 levels provided Dimensions - 5.1 x 3.8 x 2.4 (128.8x97.5x61.9mm) Weight - 16.8 ounces (475 grams) body only
Customer Review: Honestly, I hate it
I hate this camera because it exposes what a crappy photographer I am. Many of my pictures come out "so-so" right now and marginally better than my point and shoot. Spending a little time to get off the autofocus and use manual controls yielded pictures that far surpassed my old 7MP Nikon when dealing with moving objects, which was my primary challenge. I am concerned with the 50,000 picture rating for the shutter since I've already shot 800 pictures in just the first 20 days of owning this camera (you can shoot a lot at a sporting event) but, for the price, it was unbeatable with a decent, versatile stock lens. I'm now realizing the limitations of the lens and what separates the low from the high but this camera is a learning experience for anyone who doesn't really shoot at a high level. It will require you to invest the time to get excellent pictures out. You'll be disappointed like myself in the same way getting a great HDTV brings out the limtiations of standard cable. But look at it this way - once you start learning about the basics, e.g. the relationship of ISO to aperture to shutter speed and setting the priority mode, etc. you're on your way to pictures that are far superior to your point and shoot and difficult to go back. Apparently it doesn't have all the fine settings of the 40D nor the 100K shutter rating but I'm not sure it matters at this price. If you want a sub-$800 SLR with a decent stock lens, there is no better camera, and I was hoping the Nikon D60 would be my choice. Not so. Learning all the detailed options that are still remaining made me realize now that this camera has far more important features than the competition, all which requires an investment in photography to get great pictures. It's a crime with this camera to even think of using the auto-settings.
Customer Review: This DSLR Is Great
I'm barely an amateur photographer, so I'm not going to get technical because I can't. I own a film SLR, but haven't used it in about 5 years--ever since "quality" digital point-and-shoots flooded the market. I left the film and all of the manual tinkering behind for the ease of use. Now having this camera for a few days, I'm sorry I did that. My latest P&S is a Canon S3 IS, which has a nice zoom and takes good pics. It may never be used again. The first thing I immediately noticed is the depth of field that the XSi produced. I forgot how good an SLR could be. Upload the pics to your computer and the clarity and color of the photos are just unbelievable. Night or indoor shooting is equally amazing. I never got good results when I disabled the flash on my P&S cameras, but I am shocked at how well the photos turn out in a low-light situation when not using the flash on this one. The camera and lens does feel a bit cheap with all of the plastic. But, I plan on taking care of it, so I'm ok with that. The battery seems to have a lot of juice in it for hundreds of pics before recharging (2 hour charge). I don't see myself using the "live view" function too much. It doesn't really work like a P&S like it may seem. There is no memory card in the kit, which is fine with me since the cards included in most cameras are very low capacity and essentially useless. I love this camera and wish I would've jumped on a DSLR sooner. Then again, maybe it was well worth the wait...

Fujifilm Finepix S1000fd 10MP Digital Camera with 12x Optical Zoom

The Fuji Film FinePix S1000fd's 12x optical zoom lens expands your shooting reach, covering a remarkable focal range of 33-396mm, bringing you close enough to capture subtle expressions. The single built-in lens means you're always ready to shoot, with no need for bulky extra lenses or time-consuming lens changes. Picture Stabilization mode automatically sets the optimum shutter speed and sensitivity for each scene, preventing blur from camera shake or fast-moving subjects, even in low-light situations. Super Macro mode lets you move in as close as 2cm (0.8") making it easy to take high-impact full-frame close-ups. The Panorama Shooting Mode makes it easy to create impressive panoramic photos. This mode captures and combines up to 3 consecutive shots, which are saved to the memory card as a panoramic picture. The FinePix S1000fd automatically detects and corrects unsightly red-eye reflections that often spoil flash photos of people. A large, high resolution LCD with 230K Resolution makes it easy to compose great shots and to see photo details when you play back captured images. The high-resolution LCD can display up to 100 picture images simultaneously in 10x10 array. Use this micro thumbnail view to instantly select specific photos to view or print. A selection of tailored shooting modes provide ideal settings for everything from shutter speed and exposure to white balance. 1/2.3 CCD Sensor File format - JPEG (EXIF Ver 2.2) Aperture - F2.8 - F6.4 (Wide) / F5.0 - F8.0 (Telephoto), max 5 steps in 1/3 EV increment Shooting Modes - Portrait, Landscape, Sport, Night, Fireworks, Sunset, Snow, Beach, Museum, Party, Flower, Text, and PS (Picture Stabilization) Shutter speed - 1/4 second to 1/2000 second in Auto mode Self-timer - 10 seconds and 2 seconds delay Dimensions - Width 4.1 x Height 2.9 x Depth 2.7 (102.5x73x67.8mm) Weight - 11.5 ounces (325 grams)
Customer Review: Fujifilm FinePix s1000fd
I am very happy with this camera. I was wanting a camera that would do a little more than just point and shoot and this camera does it. A few features that I'm not so happy are that there is no image stablization with the continous shooting so images can turn out pretty blurry if you're not holding very still. Using the camera with a tripod would probably solve this problem. Overall I'm very pleased with my purchase.
Customer Review: black pictures almost half the time
Check out the review from 5/25/08 by Challenging Designs and the one from R. Yomes from 7/10/08. Something is not right with this camera. I am putting my comment here to share my experience. I've been experimenting with this camera for the last month and a half. I sometimes don't get focused shots because of the delay and miss out on pictures of my children. I used it at the marina on an overcast day and on AUTO setting and my pictures were far too dark and some were black. Today I placed fresh batteries in it (just in case) and I used it while out golfing at beautiful Kanehohe Bay in the loveliest of conditions...also on AUTO. Half the pictures turned out normal, the other half, all along the ocean in gorgeous conditions, were too dark (black, practically) just as the ones from the overcast day at the marina. My visiting uncle was using his new Panasonic Lumix (I will post it here when I find out which one he has) on AUTO, comparable but about a hundred dollars more expensive, and it had NO trouble on the overcast day at the marina. We even shot several of the same subjects! ALL his exposures were perfect with his Lumix! None of mine were successful. I could not understand what was happening as I held my camera side by side with his to compare. Then I read the review by Challenging Design from 5/25. I have found that my indoor pictures are grainy with the flash and brassy without. My husband and I have been happy with our six-year-old Finepix F601Zoom which, much to our surprise, takes better pictures than this S1000fd. The old F601Z has a delay, another reason, besides more pixels and more zoom, that we attempted to upgrade. My Finepix S1000 will be going back to the store. As of today, I find it interesting that a third person (R. Yomes, 7/10/08) has had black pictures, so that's three of us who are disappointed in this camera. I was wondering what I was doing wrong on "Auto" mode. I was glad to have had the chance to compare it with another camera so that I could be sure it was not overcast conditions at the marina the first day. There was no excuse for the failed pictures on the sunny day at the golf course. After being so pleased with our old Fuji camera, the new one is a huge disappointment. And yes, I returned it to where it was purchased (I had 45 days to try it...I only used it for about a week before it was malfunctioning). Not quite sure I want the Panasonic, either, as the pictures have great contrast between light and dark without as much depth of color between as I am accustomed to with a Fuji camera. And, like another reviewer, I am annoyed at how easily the lens cap falls off. The "missing" lens cap was my biggest complaint repeatedly my first day using it until I started experiencing the black pictures. I think there's a trend here....three of us have found it takes almost black pictures.

Canon PowerShot SX100IS 8MP Digital Camera with 10x Optical Image Stabilized Zoom (Black)

The PowerShot SX100IS will inspire you with its with phenomenal 10x optical zoom... and so much more. There's the 8.0-megapixel CCD and Optical Image Stabilizer for shake-free shooting. Plus, the DIGIC III Image Processor with advanced Face Detection, Face Selector Button, and red-eye correction assure superb results every time. Auto ISO Shift and ISO 1600 make low-light shooting easy. The large Mode Dial lets you select Scene Modes or full manual control effortlessly.

PowerShot SX100IS Highlights

Packed with Brilliant Features in a Compact Body A new concept, the PowerShot SX100IS is compact and portable with streamlined controls. Take it everywhere, because inside is a level of photographic power that's truly impressive; 8.0 megapixels ensure deeply detailed images, giving you complete freedom to enlarge an image or any section of an image and crop it to your exact specifications.

With DIGIC III, your images boast superior quality, the camera operates at top efficiency, and battery life is enhanced. What's more, DIGIC III enables Canon's Face Detection Technology and red-eye correction to give you better, more true-to-life people shots. Simply press the Shutter Button halfway down, and the camera automatically pinpoints the faces in the scene and chooses the ideal focus point. The camera controls exposure settings and flash to keep every face looking bright and natural. Red eyes can be corrected during playback.

iSAPS Technology is an entirely original scene-recognition technology developed for digital cameras by Canon. Using an internal database of thousands of different photos, iSAPS works with the fast DIGIC III Image Processor to improve focus speed and accuracy, as well as exposure and white balance.

Powerful Zoom, True-to-Life Imaging The PowerShot SX100IS has a 10x optical zoom lens that makes it easy to get the inspiring, emotive close-ups that will make your images lasting keepsakes. This magnificent lens gives you the power to shoot distant subjects with razor-sharp precision and stunning lifelike color. So you can brilliantly capture a bird high atop a tree, a child's winning goal from across the stadium, or a school play from the last row. Plus, thanks to Canon's highly sophisticated Optical Image Stabilizer technology, even at maximum zoom every image is rock steady.

The PowerShot SX100IS is equipped with Canon's acclaimed Optical Image Stabilizer Technology that automatically detects and corrects camera shake--one of the leading causes of fuzzy or blurred shots. Even when zoomed in, you can get the steady, crisp, brilliant images you'll be proud to shoot and share. And Canon's Optical Image Stabilizer Technology is so convenient to use. It functions perfectly with or without a flash.

See the Image Beautifully with Wide Viewing Angle The camera's 2.5-inch LCD screen gives you the big picture, whether you're shooting, reviewing, or showing off your images. This high-resolution screen offers a crisp, clear picture and wide viewing angle to make shooting, playback, and using the camera's menu functions especially convenient. Clear and bright, it also features Night Display for easy viewing in low light. And the convenience of using AA-size batteries means that no special power adapters or chargers are needed wherever you go.

Canon Technology Maximizes Quality and Performance

Genuine Canon Face Detection Technology sets the focus, exposure, and flash automatically, leaving you free to compose a group, capture an unguarded moment, or coax the perfect smile. Plus the new Face Selector Button lets you select the primary face.

DIGIC III features Face Detection technologies, giving the you best possible results in any shooting situation. Face Detection AF/AE sets the focus point and exposure for the faces of your subjects. Face Detection FE adjusts the flash to correctly illuminate your subject to provide the best balance between your subject and the overall scene, eliminating the common problems of over- and underexposed faces.

Red-eye correction detects and corrects red-eye during playback. In unusual cases where red-eye is not automatically detected, it can easily be corrected manually during playback mode.

And new Face Selector AF enables you to lock on and follow a specific face. The selected subject is tracked wherever the face moves in the frame. Simply press the Face Selector Button; then the selected face is double-framed and tracked when the face moves in the frame.

Life doesn't give you second chances to capture special times. That's why the PowerShot SX100IS features ISO 1600 and High ISO Auto settings that reduce the effects of camera shake and sharpen subjects in low-light situations, giving you greater shooting flexibility.

Instant Creative Control

Easy-to-use Mode Dial with a wide range of shooting modes from fully manual to fully automatic, including Kids and Pets mode to capture fast moving objects.

Now you're free to concentrate on what really counts--your subject. With the large simple-to-operate Mode Dial, all you have to do is turn to the setting that best matches the scene you're viewing through the lens. The PowerShot SX100IS does the rest. It chooses the perfect exposure, aperture, and flash. Or if you want to flex your creative muscles, choose Manual Control and do it all yourself. You've got special Scenes Modes to handle a wide range of common shooting situations--effortlessly.

The Complete Print Solution

Print/Share Button for easy direct printing and downloading, plus ID Photo Print and Movie Print with select PIXMA Photo Printers, CP, and SELPHY Compact Photo Printers.

The PowerShot SX100IS's Print/Share button makes direct printing easier than ever. Simply connect the SX100IS to a Canon CP, SELPHY, or PIXMA Photo Printer or any PictBridge compatible photo printer, press the lighted Print/Share button and print! Also use the Print/Share button to transfer images to a computer (Windows and Macintosh).

Print your own ID photos in 28 different sizes or use the Movie Print function to output multiple stills from a recorded movie on a single sheet with a Canon SELPHY Compact Photo Printer.

What's in the box:

PowerShot SX100IS digital camera, AA-size alkaline battery (x 2), 16MB SD memory card SDC-16M, wrist strap WS-200, Digital Camera Solution CD-ROM, USB interface cable IFC-400PCU, AV cable AVC-DC300

Customer Review: great product, so-so battery life
So far have been very pleased with image quality of this camera, but the battery life is a bit lower than expected.
Customer Review: Fantastic
The camera is an absolutely fantastic buy. I bought it to replace my $400 Nikon digital camera and am blown away by it. It has all the best features plus the manual apertures and shutter speeds. I have been pleased with every aspect of this camera and would recommend it to anyone!

Nikon D60 10.2MP Digital SLR Camera with 18-55mm f/3.5-5.6G AF-S DX VR Nikkor Zoom Lens

18-55mm AFS DX Nikkor / Fast Start-up / Active Dust Reduction / 2.5" LCD / Up to 3 Frames per second / SD and SDHC Memory Slot Up to 36 characters of alphanumeric text input available / Date imprint - Date, Date and Time, Date Counter, or None (selectable) Eye-level penta-Dach mirror single-lens reflex viewfinder File system - DCF (Design Rule for Camera File System) 2.0, DPOF (Digital Print Order Format), Exif 2.21 (Exchangeable Image File Format for Digital Still Cameras), PictBridge Focusing screen - Type B BriteView Clear Matte screen Mark V Compatible lenses - AF-S and AF-I NIKKOR - All functions supported; Type G or D AF NIKKOR not equipped with an autofocus motor - All functions supported except autofocus; Non-Type G or D AF NIKKOR not equipped with an autofocus motor - All functions supported except 3D color matrix metering II and autofocus; IX-NIKKOR and AF-NIKKOR for F3AF - Not supported; Type D PC NIKKOR - All functions supported except some shooting modes; AI-P NIKKOR - All functions supported except 3D color matrix metering II; Non-CPU - Autofocus not supported. Can be used in exposure mode M, but exposure meter does not function; Lens with maximum aperture of f/5.6 or faster - Electronic rangefinder can be used Frame advance up to 3 fps Self-timer - Can be selected from 2, 5, 10 and 20 second duration Metering method - Matrix - 3D color matrix metering II (type G and D lenses); color matrix metering II (other CPU lenses); Center-weighted - Weight of 75 percent given to 8mm circle in center of frame; Spot - Meters 3.5mm circle (about 2.5 percent of frame) centered on selected focus point (on center focus point when non-CPU lens is used) Range (ISO 100, f/1.4 lens, 20 degrees C/68 degrees F); Matrix, Center-weighted, and Spot metering Dimensions (W x H x D) - 126 x 94 x 64mm (5.0 x 3.7 x 2.5 inch)/ 1.1 lb
Customer Review: Fantastic Images, Lightweight and Well-Built
This is a great camera, and don't let anyone tell you it's only for beginners. The images that the D60 produces easily rival that of more expensive cameras. When you spend less money on the D60, you are sacrificing a few bells & whistles but not necessarily image quality. It has all the manual settings you'd expect in an SLR and a very easy-to-navigate (and nice-looking) menu system. The LCD screen is big and bright, and the viewfinder is great as well. What it's missing (at least when compared to higher end models) and why you don't necessarily need those things: - No auto-focus on non-AF-S/AF-I lenses. Unless you already have a bunch of old Nikon lenses, this shouldn't be a problem. Just make sure any lens you buy in the future is an AF-S or AF-I. - No Live View. This is only just becoming standard on higher end cameras and on the ones I have tried I have found it very "clunky" anyway. "Live View" is a hallmark of compact point & shoot cameras, and I think that's where it belongs... at least for now. SLRs are just made for shooting with the viewfinder. It just feels better on a camera like this. If you *need* Live View, look at the Sony SLRs. They seem to implement that feature best. - Only 3 auto focus points. The D80 has 11, the Canon XSi has 9, blah, blah, blah. Three is enough for most people... heck, one is enough for most people. Yes, having more is nice, but honestly if you are a beginner and don't understand what the benefit of more AF points might even be, you don't need them. - No exposure bracketing. A helpful feature for making HDR images, but even then it is not necessary. Those are the biggies. I have my own little nit picks, like: - No dedicated buttons for ISO or white balance (you can program the Fn button to do it, but it's nice to have a seperate button). - RAW+JPEG setting only allows you to record a "basic" quality JPEG. - The ViewNX software supplied with the camera sucks for processing RAW images. If you are going to shoot RAW, get something better like Nikon's CaptureNX, Adobe Camera Raw for Photoshop or Lightroom, or something similar. If those aren't in your budget, RAW Therapee is a great open source RAW processing application. It's light years better than ViewNX in this regard, and it is 100% free of charge! Now for the major perks: - The D60 inherits features like Active D-Lighting and Expeed processing from the (much more expensive) D3 and D300 pro SLRs, which the D40 and D40x do not have. Look those things up to see what the benefits are. D-Lighting is subtle, but effective. - The new kit lens with VR (vibration reduction, Nikon's term for image stabilization) which allows for sharp pictures in lower light conditions when using slower shutter speeds. The D40/D40x have a non-VR version of the same lens. In my opinion, this is the best "kit" lens when compared to what the competition is currently offering (in terms of overall image quality). - Auto focus assist lamp. Trust me, it's a simple little thing but you'll love having it. - FAST auto focus (even with those three piddly AF points =) - Big, bright LCD and viewfinder. - Superb build quality. Feels much more "pro" in your hand than it's plastic-y competitors. - Great high ISO performance. Perfectly usable shots at ISO 1600. ISO 3200 is worse, but you could still use it in a pinch and get decent results and small prints. I've printed a couple 8x10s from ISO 1600 shots that look fantastic. - Which brings me to the most important feature: stellar image quality. Go find sample images online and see for yourself. Forget those chart & graph test shots. Look for real-world samples of real people/things -- that's where you'll really be able to see the D60 shine! I love my D60. I have been shooting with it every day since I bought it a month ago and have no regrets. It truly is a great camera to learn on for the SLR beginner, but is just as good for those of us with a little experience who are on a budget and don't see the above "cons" as deal breakers. Just buy the thing and go make some beautiful photos!
Customer Review: Don't know what the problem is.
When I got the camera it seemed to be working fine. Not long after I had it I would take the picture review it, but then when I would go to put it on the computer there were no pictures in the camera. I bought this as reconditioned and I'm wondering if this has something to do with it. I will now have to take it in and find out what's wrong with the camera. I paid, I think, a lot of money for the reconditioned camera, but considering of not buying another reconditioned one. I will buy closer to home so that if a problem arises I will go back where I bought it. Thank you for my opinion.

Canon PowerShot SD870IS 8MP Digital Camera with 3.8x Wide Angle Optical Image Stabilized Zoom (Silver)

From the very first glance, the smooth shape and bold lines of the stylish PowerShot SD870IS Digital ELPH signal that this is no ordinary camera. With 8.0 megapixels of resolution, an Optical Image Stabilizer, and 3.8x optical zooming, the SD870IS Digital ELPH boasts impressive specs as well as a host of convenience features. Face Detection Technology for worry-free people shots. A large 3.0-inch LCD to give you a perfect view of your scene. The Auto ISO Shift and ISO 1600 deliver brilliant images in challenging lighting.

PowerShot SD870IS Highlights

3.8x optical zoom in action

Stylish dual-tone 8.0-megapixel Digital ELPH in two elegant colors You deserve a camera as individual as you are. That's why the PowerShot SD870IS Digital ELPH is available in a choice of two head-turning models. Select from your choice of the impressive matte black or the sophisticated chrome silver front-ring design. Both feature a gleaming metallic body whose smooth, simple shape is handsomely contrasted with bold side lines. In addition, both also offer 8.0 megapixels of resolution so you get images with the high-degree of detail and richness of color that enables you to print, crop, and enlarge for maximum self-expression.

3.8x wide-angle zoom lens to get more family and friends into one perfect photo With a wide-angle 3.8x optical zoom lens equipped with Canon's advanced Optical Image Stabilizer Technology, you've got what it takes to capture astonishing, lavishly detailed close-ups with total confidence. Now you don't even have to worry about camera shake getting in the way of perfect pictures. Because even at maximum telephoto, the SD870IS Digital ELPH keeps you rock steady. So you can create images that are sharp, clear, and bright--just like you want them to be. You'll amaze yourself and others with what you can achieve with the SD870IS Digital ELPH.

Large high-quality 3.0-inch PureColor LCD screen with wide viewing angle The camera's 3.0-inch LCD screen gives you the big picture, whether you're shooting, reviewing, or showing off your images. This extra-durable, high-resolution screen with tough scratch-resistant coating on the anti-reflective, PureColor LCD screen offers a crisp, clear picture to make shooting, playback, and using the camera's menu functions especially convenient. Clear and bright, it also features Night Display for easy viewing in low light.

Canon technology maximizes quality and performance Genuine Canon Face Detection Technology sets the focus, exposure, and flash automatically, leaving you free to compose a group, capture an unguarded moment, or coax the perfect smile.

Find multiple faces with Canon's improved Face Detection technology

DIGIC III features Face Detection technologies, giving the you best possible results in any shooting situation. Face Detection AF/AE sets the focus point and exposure for the faces of your subjects. Face Detection FE adjusts the flash to correctly illuminate your subject to provide the best balance between your subject and the overall scene, eliminating the common problems of over- and underexposed faces.

With DIGIC III, your images boast superior quality, the camera operates at top efficiency and battery life is enhanced. What's more, DIGIC III enables Canon's Face Detection Technology and Red-eye Correction to give you better, more true-to-life people shots. Simply press the Shutter Button halfway down, and the camera automatically pinpoints the faces in the scene and chooses the ideal focus point. The camera controls exposure settings and flash to keep every face looking bright and natural. Red eyes can be corrected during playback.

iSAPS Technology is an entirely original scene-recognition technology developed for digital cameras by Canon. Using an internal database of thousands of different photos, iSAPS works with the fast DIGIC III Image Processor to improve focus speed and accuracy, as well as exposure and white balance.

Red-eye correction detects and corrects red-eye during playback. In unusual cases where red-eye is not automatically detected, it can easily be corrected manually during playback mode.

The PowerShot SD870IS Digital ELPH features ISO 1600 and High ISO Auto settings that reduce the effects of camera shake and sharpen subjects in low-light situations, giving you greater shooting flexibility.

17 Shooting Modes, Including 10 Special Scene Modes Advanced presets for the best possible photos under certain conditions.

The Complete Print Solution

Print/Share Button for easy direct printing and downloading, plus ID Photo Print and Movie Print with select PIXMA Photo Printers, CP, and SELPHY Compact Photo Printers.

The PowerShot SD870IS Digital ELPH's Print/Share button makes direct printing easier than ever. Simply connect the SD870IS Digital ELPH to a Canon CP, SELPHY, or PIXMA Photo Printer or any PictBridge compatible photo printer, press the lighted Print/Share button, and print! Also use the Print/Share button to transfer images to a computer (Windows and Macintosh).

Print your own ID photos in 28 different sizes or use the Movie Print function to output multiple stills from a recorded movie on a single sheet with a Canon SELPHY Compact Photo Printer.

What's in the box:

PowerShot SD870IS Digital ELPH digital camera, lithium battery pack NB-5L, battery charger CB-2LX, 32MB SD memory card SDC-32M, wrist strap WS-DC2, Digital Camera Solution CD-ROM, USB interface cable IFC-400PCU, AV cable AVC-DC300

Customer Review: Camera over the top!
One of the most impressive small cameras ever! The quality of photos is amazing. I bought this camera for my (teen) daughter. I have been in Advertising for many years and now ask her to take pictures for my projects and ads. This is our fourth Canon Camera in the past four years and it's great!
Customer Review: So far, excellent!
Bought as gift for wife and right off the bat she was taking pictures. For her it's important to be easy to use. The pics are really good and it seems to do a fair job in lesser light photography. The battery lasted fairly long although I will be buying a backup just for ease since she's not to quick to remember to charge it when it's low or out. I would replace with the same camera again if I had to since I tried two others first that were more expensive and didn't fit our needs.

Canon PowerShot G9 12.1MP Digital Camera with 6x Optical Image Stabilized Zoom

Given the success of Canon's highly acclaimed G Series, it's no surprise that ambitious photographers have been eagerly anticipating the next model in its evolution. The wait has paid off handsomely with the introduction of the PowerShot G9. In image quality and functionality, the G9 stands above the competition with 12.1 megapixels of resolution, a 6x optical zoom with Optical Image Stabilizer, and RAW mode for the ultimate in creative control. Sophisticated design and high-quality construction complement the technology and make the G9 a camera to be reckoned with.
Customer Review: G9 + Raw Images not good (Compare to Rebel XTI + DPP)
First off, I don't want to be a party pooper, so rated the camera a 4 star. With regard to my points below, it should have been a 2-3 star, but that would spoil the G9 overall rating, which should be very good. My review is tailored for those wanting high quality editable RAW images using the Canon G9. For that, I give it a 2-3 star compared to Rebel XTI. So on with the review... Here is my warning to many of you thinking of purchasing the Canon G9 camera and using it for shooting RAW mode images. If you didn't know, RAW is the best way to obtain nicely composed pictures; i.e., since many of us are amateurs and cannot compose nicely in the field, RAW allows you to tweak the image in the "LAB" on your PC to produce a very good to excellent shot from a bad to average one. If you are into nature and sports photography, you often don't have time to nicely compose (even as an expert), so RAW helps in that scenario too. I own a Rebel XTI, and use DPP (Digital Photo Professional 3.4.1.1 as of this writing). In general, I was very happy with my XTI + RAW + DPP 3.4 solution. DPP is Canon¡¦s software that comes with EOS cameras for processing RAW images. My Rebel XTI problem was weight on long backpacking and climbing trips--carrying 5# worth of camera is a bit rough with a 50# pack. It's also kind of dangerous to have a large camera readily exposed when you are exposed on a face or steep slope. So I bought a Canon G9, thinking G9 + RAW + DPP 3.4 = excellent compromise between weight and quality, since G9 can shoot in Raw mode and weighs < 1#. Well, that didn't quite result in image happiness, and here's why: First Canon G9 can only shoot to F8. I like high F-stop for nice crisp pictures of leaves, rock details, people's faces, etc. F8 seemed a bit low for this. In other words, my sharpness levels with camera were not quit there. Secondly, I like to bracket shoot. (3 exposures at a time with different lighting level). This helps me, especially as an amateur. With the G9, bracketing is possible, but takes like 3-4 seconds to complete the 3 image cycle, compared to <1 with the Rebel XTI. So I get a lot less chance of nice image since bracketing for 3 seconds is a pain and often results in too much blur (shake). Well, ok for my poor ability. The RAW conversion software will handle that, right? Wrong. First off, you cannot use DPP 3.4.1.1 to edit Canon G9 images. Seems like a poor marketing decision by some bozo who didn¡¦t want to let the el-cheapie camera users have access to a nice quality image editing software. I did verify this with Canon tech support today though, so it's a fact. Well, Ok... Thought I: I'll just use the Raw Image Task (RIT) to process my photos.¨ RIT = Canon's budget software for point-and-shoots that can actually shoot RAW. The problem with this is that RIT is seriously deficient in many regards, as summarized below. NOTE: These lacking features are found in DPP 3.4.1.1 (but you need an EOS Raw image for that). In other words G9 Raw images are stuck to RIT for processing*. 1. RIT clunkiness: RIT requires ZoomBrowser (ZB is an OK viewer by the way) to start. You launch RIT from ZB. Once in RIT, to edit, your view features are substantially limited. Its generally clunky, as described below. For example, to use the tools palette, I must scroll the tools palette window slider up and down to access all the features controls. So I set exposure for example and then scroll down to adjust the sharpness slider. Way too much work to process photos quickly! 2. RIT doesn't allow you to adjust color spectrum in Histogram. This is nice sometimes for creativity, but not possible in RIT. 3. RIT Redraws are very slow: When scrolling from one image to the next, RIT presents a blurred image and then redraws it to a sharper level while you wait. The wait is annoying. 4. RIT cannot do linear contrast. I like linear contrast setting for creativity. I have gotten some of my best snow shots by setting linear contrast. 5. RIT JPG production is time-intensive. Conversion of images to JPG output takes about 2-3x longer than with DPP. So, take a shower, make some breakfast... and read some news during a big conversion batch. ;) 6. RIT cannot do cropping: You feel the camel's back getting heavier? In order to crop, you have to go back to ZB or another program after converting the image to JPG. This is an extra time-consuming confusing step. This sucks bigtime! 7. RIT (or Canon CODEC bug) with sharpness (I tried CODEC's 1.2 and 1.3 by the way): As mentioned earlier, I like high F-stop shots. Since G9 goes only to F8, it's a bit lacking, so I thought I could count on sharpness control in RIT to make me happy. Well, in RIT, I can adjust the sharpness and get a nicely composed, crisp picture. But when I convert to JPG, I get a dull, unsharp picture. To make matters worse, when I close RIT and go back to ZB, I see the original picture, not my edited one. This was the straw that broke the camels back for me. So I emailed Canon tech-support, and after 1 erroneous suggestion, my tech support case went into a blackhole. The answer given to me was like an auto-responder reading my problem and spitting out a canned suggestion as a "while you wait for a real person's reply, please try this.¨ The initial advice (coming from a real live tech support staff) was to upgrade software, even though I initially opened the case with a list of detailed and documented software versions, which were the most current before I even thought about opening the case. ;) I kind of new I was in for trouble after getting his "upgrade-your-software¨ reply. I emailed him back this fact and waited about 1-2 weeks for another answer, but got none. When worked settled down, I decided I need to solve this problem, so called Canon phone support. They had no way of looking up my tech support case opened via website since they were operating on two different support databases. I thought this was weird, but no biggy, and just provided all my details over the phone again. After providing details, the lady on the phone was unable to answer my question adequately and didn¡¦t seem to give me any alternatives. Although she was nice and tried, I just think Canon didn't provide her with adequate training to solve a complex, geek-based question. She talked to a colleague after putting me on hold and found out DPP couldn't process G9 Raw images. She also recommended converting to TIFF for better quality output. Unfortunately, I had already tried that with similar bad results. "Can you notate this as a bug for the developers to investigate,¨ I asked? I told her I think it's a RIT/CODEC bug with the sharpness feature that needs investigating. She said "Canon doesn't think that there is a bug and all the developers are in Japan.¨ Well that told me she wasn't connected enough in Canon to actually solve my problem. Japan or USA, you can enter data into a bug tracking program if you have one. So I asked her for any other options and she mentioned just waiting for further software updates. I ended the call politely, with the words Nikon thrown in there a few times and decided I would write this review. In summary, I have taken some excellent shots with my Rebel XTI. I like it a lot. I also like DPP. I am just not happy with the ability to produce professional results with the Canon G9. I think the G9 is an excellent camera for many individuals. For me though, the above should indicate I am seeking a bit more. If you are like me, and take amateur pictures, but want high-grade output, perhaps, you should think twice about using the G9. I hope this review helps you. ;) * CAVEAT: You may be able to find photo-editor software (such as Adobe) to solve many of these RIT problems. But you will also pay more, probably $200-$500, for this software. For that price difference, you could upgrade to a Rebel XTI camera and get DPP. If any of you have experience with good-quality RAW software, please email me.
Customer Review: love it
I love this camera. I really like the photo stitch and the color swap. It's a good size camera, not too big, not too small. People with big hands may have problems with some of the buttons being too small though. I don't have big hands so it's not a problem for me. I would recommend getting a different flash if you want a more professional look and any other accessories you can afford like the wide angle kit. I don't believe you will find a better camera until you go up to a digital SLR.

Digital Cameras / Electronics at RitzCamera.com - Free Shipping & No ...

View consumer electronics and digital camera reviews, product information and specifications at the official site of Ritz Camera. Choose from a large selection of digital cameras ...

Digital Camera Reviews LetsGoDigital

Digital Camera Review Test Compare Camera Specifications ... Nikon Coolpix P80 review : Many people consider a small model with a large optical zoom range the ideal digital camera.

Welcome To The Digital Camera Resource Page

The original digital camera review website, featuring unbiased digital camera reviews, specs, news, and forums. Our buyers guide will help you choose the best digital camera for ...

Digital camera - Wikipedia, the free encyclopedia

A digital camera is a camera that takes video or still photographs, or both, digitally by recording images on a light-sensitive sensor. Many compact digital still cameras can ...

Sony Cybershot DSCS730 7.2MP Digital Camera with 3x Optical Zoom

Sony Cybershot DSCS730 7.2MP Digital Camera with 3x Optical Zoom 2-3/8" color LCD,high sensitivity mode for better pictures in low light,on-screen function guide
Customer Review: Great Camera For Recreational Photography
If you are looking for a good, basic digital camera, this one is great. It's got enough features to do everything you want from a personal use camera (not professional level).

I bought this camera for my mother. I bought myself the Cannon SureShot, because I got lured in by the extra features. After they both came in and I used my mom's camera, I wished I had bought the Sony instead of the Cannon.

This camera is easy to use. The dials/menus are easy to use. Just a few minutes of "playing around with it" is enough to figure out the basic functions. A good solid camera. Nice pictures.
Customer Review: Good
Good pictures. This camera does not put the date on the picture. You have to do it manually through the sofware included. In my opinion it's a disadvantage although you can choose the color of the date.

Sony LCSCST General Purpose Soft Carrying Case for Slim Cybershot Digital Cameras

<p><a  href='http://www.amazon.com/exec/obidos/ASIN/B00091S0WA/clipartmz-20?creative=327641&camp=14573&linkcode=as1' target=blank ><img hspace=2  vspace=2 src='http://ecx.images-amazon.com/images/I/51HHK399QNL.SL160.jpg' height=160  width=160  style='float:left;' border=0 /></a>
<a  href='http://www.amazon.com/exec/obidos/ASIN/B00091S0WA/clipartmz-20?creative=327641&camp=14573&linkcode=as1'><b>Sony LCS-CST General Purpose Soft Carrying Case for Slim Cybershot Digital Cameras</a></b>
Sony's worldwide reputation for creating unique, attractive, high-quality, advanced technology products rests on a long line of innovations embraced by people from all walks of life. With a diverse product lineup serving a variety of lifestyles and industries, Sony continuously strives to introduce new products and technologies to meet changing market needs.
<br><b>Customer Review:</b> Swift service and reasonable price<br>
I got the product within the time specified and in the same condition as stated. Nice to have a business with him. Keep up the good work.
<br><b>Customer Review:</b> Perfect for Sony DSC-W170<br>
I read a large number of customer evaluations before buying this for my Sony Cybershot DSC-W170 digital camera, which it fits perfectly.  Regarding the little zipper pocket in front, it can hold either a spare memory chip or a spare Sony NP-BG1 battery (which fits that camera) but not both.  The case is very trim and well-made, a bargain for the $7.50 I paid for it.  The only gripe I have is that the attachment strap on the back of the case should be wider.  The attachment strap has an interesting design however, which allows you of the choice of snapping it over your belt (with a substantial snap) or threading your belt through it, which would definitely be better for risky travel situations where somebody might try to grab the camera, case and all.  If you wear it at your waist in front of you, in the latter situation you can unsnap it when you sit down in a bus or restaurant and it frees the camera from your belt without actually detaching it from your belt.  The camera sits on your lap on a secure nylon webbing tether about 5" long.  I would consider this a very secure arrangement on vacation in a country where thieves are present, and I have not seen this particular design on any other camera case anywhere.  Regarding whether the case is "too tight" for a Cybershot-size camera, I observe that this is a "soft" case which will stretch and loosen up over time, so I wouldn't want it much larger. It has a very nice, soft, velvety interior that won't scratch the camera, whether or not you put a spare battery in the front zipper compartment.</p>

Tips About Your Real Estate Agent

So you're looking for a new house or a lot for sale on which you can build your dream house. You know you need to enlist the aid of a real estate agent. Here are some tips that will help you find the right one.

The first thing to remember and, ironically, the most important thing for a lot of people, is that your real estate agent will not be working for you. That's a common misconception. No matter who the real estate agent is and how close your personal ties may be, the agent's primary objective is to sell a piece of property to you. In fact, his income depends on that sale. The larger you pay for the property you want, the bigger his commission. Bear that in mind: it is in the real estate agent's interest to make you spend more.

Sometimes we become really comfortable and open with sales people that we share confidential matters that can have huge bearing on a potential sale. For instance, you may tell them that you are desperate for a piece of property because you have to move out of your old house within a week. This lets your sales agent know that they can sell the property to you at a high price. As a general rule, don't let anyone know how much you are willing to pay for a new house or lot.

Oftentimes, the first question that a real estate agent throws at you is precisely that: how much are you willing to pay? It's an old ploy so don't fall for it. In response, simply state the price that you want to pay and, if they ask again, tell them that's the ceiling. Add that if the seller does not agree to that price, then there is nothing to talk about and move on. Chances are great that a serious seller (or buyer, for that matter) will immediately turn down a prospect upon hearing the first bid. In all likelihood, a serious buyer or seller will negotiate and explore options.

Finally, don't let your real estate agent choose the lawyer who will write up the property agreement, precisely because the agent is trying to sell you something. It would be far better if you selected your attorney yourself.

Jonathon Hardcastle writes articles on many topics including Real Estate, Business, and Finance.

Save Money on Student Property Investment

Share the Risk of Purchasing Student Property and reduce the costs

As students eagerly await exam results parents are seriously considering how they will help their children to cover the costs of a university education. With property prices rising all over the country many parents who had previously thought about buying a property for their children are now wondering if this is a viable option. Rent differs between different university sites but most students can expect to pay ?2,000 to ?3,000 per year on rent whether in the Halls or through a ?bedsit?. With the maximum student loan (outside of London) being ?4,195 most parents can expect to be asked to help out with some of the costs.

Many parents can no longer afford to take on a full mortgage in a University town (the average cost of a property close to the University of Sheffield, for example, has increased by 133% over the last four years) yet are loathed to ?waste? rent money for the three or four years their children are at University.

Could the new era of ?a co-buying network? be the answer to the student property quandary?

A co-buying network involves people from different areas, different backgrounds and different socio-economic levels jointly taking on a mortgage. Owning a property with other parents is a very real solution to the ?rental trap? problem and is becoming an increasingly popular approach.

How Does It Work?

Parents interested in co-buying property should register with UK?s foremost and most experienced co-buying network - www.youtoshare.co.uk. Within their membership profile they would make it clear that they are looking to invest in a property while their child lives in it. They would then specify the area they are looking to buy in and search for other potential co-buyers. Membership of the ?You to Share? co-buying network provides access to a ?Deed of Trust? which is a legal document specifying who is responsible for what payments and provides a ?get out clause? for each party.

This document, typically, will cost between ?350 and ?500 and is provided free through our preferred solicitor(s). Many mortgage lenders are happy to divide a mortgage between three or four individuals which means three or four sets of parents could benefit from their offspring?s time within higher education.

Example Scenario

Mr Smith?s son is going to study Engineering at the University of Leicester. It is a 4 year degree and if renting Mr Smith would be looking at paying approximately ?20,000 in rent over that period. The average price of a four double bedroom terrace house close to the Leicester University campus is ?160 000 as advertised through Keywest Estate Agents in July 2006.

Mr Smith registers with ?You to Share? co-buying network and learns that Mrs Andrews and Mr Ryan also have children about to start at the University and are interested in co-buying a property in the area. The three (or four) parents contact each other via the You to Share co-buying network and arrange to have financial and police checks conducted on themselves so that they can then share this information with each other. They, with their children, search for a property that will meet the needs of each of the students. In certain areas, council tax for students is either very low or zero rated.

You to Share would introduce the potential mortgagees to recommended professional independent brokers who would provide/arrange the most suitable finance deal within this structure. Based on 6% interest rates, the parents will be looking at a monthly interest repayment of ?800.00 which is equivalent to ?12,800 over four years. This compares with up to ?16,800 for deluxe rooms in Halls for four years, if available. (Current rates vary between ?96 and ?116 per week for up to 42 week contracts)

You to Share would arrange also for the parents to meet with a preferred solicitor to complete the formalities and also agree the necessary Deed of Trust, a binding legal document specifying what each co-buyer is responsible for and specifying how the agreement can be terminated. The You to Share co-buying network provides access to specially negotiated reduced conveyancing fees which can incorporate the Deed of Trust, free, within the package.

Following the completion of their degrees the students/parents will be the proud owners of a property that will have increased in value (currently at a rate in excess of 40%). They can decide between them whether to keep or sell it the property. Whatever their decision, each parent can secure a financial return on their investment during their child?s time at university as opposed to having ?given away? four years of rent. The profit on the property would then enable the newly qualified graduate to stay on the property ladder by using the ?profit? as a deposit for their first solo property purchase. A win-win situation.

?I wish the (?You to Share?) co-buying service had been available when I was at University,? says Julia Smart, mother of a soon to be University student. ?My parents

paid out so much on rent which they could have easily paid into a shared mortgage. I have joined the ?You to Share? co-buying network to try to invest in a small property

in Cardiff where my daughter is going to study ? it makes sense to me.?

Naturally there are compromises to be made when co-buying but many of these involve the actual living day to day with your co-buyer. Parents investing in student property are able to act as absentee landlords, secure in the knowledge that their children are coping with home sharing exactly as they would if their parents were paying rent for them.

Essex based PR consultant

Visit http://www.youtoshare.co.uk/ for more information.