I own the Casio Z-1050 (10mgpixel) and have to say despite the lack of spohisticated zoom or stabalization techniques and such, the camera produces some great pics in any condition except moving or low light pictures.
For the price, $199, the camera is unbeatable for the features it has and the ease of look combined with the sleek appearance. For a first time or routine person looking for personal camera, definately go with any of the Exilim series by Casio, they are all sure bets. The 2.6 inch screen is great along with the buttons on side which are actually a little cumbersome for people with larger hands.
It also does not come with a pouch to carry in and to buy one that is nice, leather, and durable costs about 2500 rupees, a significant amount considering the camera’s price is around 10000 in USA, although in India since the market is new and emerging, the only ones available readily are the 3 or 5 megapixel ones for the same price as the 10mp in US. However as I said earlier if no other option than these, the Casio Exilim series, are definitely a good option for first timers especially.