The camera comes in up to five different colors, but we recommend yellow for maximum visibility underwater. If you plan to have a little water in your future, the Fujifilm FinePix XP130 might be a good choice to tote along with you. Some smartphones are water-resistant, but this camera can handle full submersion up to 65 feet. That's pretty tough and should stand up to any but the hardest core of scuba excursions. We've gathered our favorites for your consideration. Suffice it to say, if you're reading this, you've considered all this, and you have a budget. We could also talk about storage, ease of use, one-handed use, and more. If you're out on the town or at your child's recital, and your phone dies, so does your camera. Having a separate device ensures you have the power when you need it.

There's also the idea that you don't want to put all your eggs in one basket. Phones with optical zoom are often stuck at a fixed zoom point, whereas cameras can zoom in and out with movable optics. It's a much better experience and much better quality. While some phones have optical zoom, many others will use software 'zoom.' The kind of zoom you can get from a standalone camera blows them out of the water. Cameras on phones are getting really great these days, but there are still plenty of reasons to want a separate camera for capturing those special moments. There are a lot of reasons you might want to find the best camera for under $300.

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