I was afraid of that. Looks like until I can afford the $500 plus for a DSLR, I should stick with the high end P&S cameras such as the
SX120IS (in my budget), and the SX20IS (which would really be stretching my budget currently).
Thank you all
I have this p&s, and I am happy with it. Until your budget grows, I think you will be pleasantly surprised what you will be able to do with this camera.
Once you buy it, post for us...
Trust me, I most certainly will

I just hope people wont be too harsh when I do though. Last time I had a camera, I was about 12 years old and it was a cheap Vivatar that took 110 film. So when it comes time to post pictures, im sure the majority of them will very simple, plain and basic looking with beyond tons of improvement and experience needed, lol. But I have to start somewhere.
Maybe look around for a used one. I purchased a used Nikon D50 with kit lens for a friend of mine a year ago for $250.
I search "nikon d50 site:*.craigslist.org" this in google and it seems like it range from $250 to $4xx in the used market still.
That is definitely something to consider. My only fear about the possibility of getting a DSLR is that I would be getting way in over my head. As you can see in my response to the above quote, the last time I had a camera, I was 12 years old. Between then and now, its just been taking a snapshot picture only a couple times a year at best. So I really have 0 experience in this field.
By reading though this site and looking at the pictures in it is how im currently learning things. On the plus side, its opening my eyes up to be aware of composition and learning a few do's and dont's. But other than that, I think the bigger part of my learning will have to be hands on, no question.
So, I might be better off getting the SX120IS first to see how well I do, and if I stick with it and see how much into it I get. Right now, its just a photography bug thats bit me. Now if that bite starts to fade after a while, thats yet to be seen.