As MT said, the card is much easier to use.  I have one computer with a built in card reader on the front. I have seen them on sale for under $20 and that is the way to go.  Pop the card in and treat it like another drive.  Create a folder just for photos and copy everything into it as a catch all bin.  Then copy them into more organized folders.  When you say to yourself "I know I took a picture of the combine last fall picking corn" it is a lot easier to find if you spend a bit of time organizing.

Before you go to the pawn shop take a little time to check out camera prices in a store.  It can be like buying log chains at a farm auction.  You can sometimes buy new cheaper.

I have a cheaper Kodak.  It just gives me fits because the shutter speed is too slow and I can't get the exposure right with the flash.  I just cannot get candid shots to work with it.  Here is an example:

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100_1819 (WinCE).JPG (12KB - 161 downloads)