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Check out the Canon printers. I switched to them after years with HP printers. I got the Canon i475D for Christmas, and I'm really impressed. I wanted a lot of the same things you mentioned, and the i475D delivered. It also has the ability to print photos directly from certain cameras, using smartcards. You also don't need a special photo cartridge to print photos. The Canon cartridges are very reasonably priced, and won't put you in the poorhouse. It's not a top-of-the-line photo printer, but it's perfect for most users and does a really decent job printing photos. It does an excellent job with text and color graphics. It fits your price, and if you look around, you can get it for around $100.
Robert
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