Lydia,
I used to have one of the earlier Coolpix’s as well and had the same problem you describe. My solution? Similar to yours. Most times, however, I found it was sufficient to focus the camera on the palm of my hand first, at approximately the same distance that the real subject was to be shot at, and then re-aim at the desired subject. 9 times out of 10 this did the trick.
As for cameras, I highly recommend the Nikon DSLRs. (My current one is the D90, of the “prosumer” grade) I recognize that this is probably far more $$$ than you want to spend, but a really good camera is going to make your life easier and will probably be a satisfactory tool for many years. The point-and-shoot digitals are not designed to be “relevant” for much more than a year or two, as new technology comes out to replace it.
Another big selling point of the full-sized DSLRs (for me) is that they capture in RAW. With many image editing tools, you can import RAW files and convert during download into DNG file format, which is 1) a third smaller than the RAW files, and 2) puts the files into a format that is likely to be supported across all platforms indefinitely. Each manufacturer has its own proprietary RAW format and as such, there are no promises that the manufacturer will continue to support that technology. Ten years from now you may be in for a rude shock: your RAW files may not be openable using new tools. Saving as DNG (digital negative format) insures that your images will be accessible in the distant future.
If you are at all serious about maintaining a catalog of high quality images (not in a lossy compression format, as JPG does) that will remain accessible for years to come, and which will be in a format supported by industry wide software, then you ought to seriously consider enabling yourself with tools to save as DNG. Just thought this might be useful info. (bear in mind that I am specifically addressing the matter of archiving lossless images, not JPGs, for example. It is unlikely that JPGs will suffer from the same fate as proprietary RAW format images, since JPG is a format that will likely remain viable for a long, long time. If JPGs are your preferred image format, and you don’t mind the fact that JPGs use a compression algorithm, then the discussion about DNGs doesn’t apply to you.)
You can read what Adobe says about DNG here:
http://www.adobe.com/products/dng/
or the Wikipedia link below. (The Wikipedia article is more detailed and objective)
Link: en.wikipedia.org/wiki/Digital_Negative_%28file_format%29