OKay.. i lost the first one I wrote..lol My dilemma is that I bought a cam about a month go..a Fuji S8100. It was a gunho passionate "I can do photography" decision. I am a def newbie to the world of "say cheese". Well, I am in the middle of a flexpay via HSN.. already have 215 invested..total will be 400+ in december. I turned to HSN ..to see my camera today being offered at 299.00 (315 total)plus you got a camera bag and "stuff". I ofcourse didnt get that with mine... like I said.I was gunho about it...lol I called to see if I could get a credit or atleast a camera bag.. NOPE... So, in the midst of all this "say cheese" stuff.. I have been dying to get back to the World...since last years trip. (As my mother so nicely says.. I am all disney, all day :-*) Right now I have 8 windows open with everything disney related...lol My dilemma is... should I return the cam..get my money back...(then with a little guidance from here -purchase a cheaper cam that would better suit my learning stages).. then with the 200 I would have put out for the nov/dec payments ..I can place a deposit on a trip I would love anyones opinion... PLease?! Thanks, Diana