Thanks so much for the information. My hubby is buying the camera for me for my Birthday. And he has asked me which one I want LOL, being in a small town I haven't been able to find either of these cameras so don't think I will be able to try them before the hubby buys, his away with work at the moment and is able to purchase the cameras there.
I own the S3500 Fuji which I like using, I'm just after a camera with more choices

I have seen photos taken from the S9500 and I was impressed they were lightning photos they were very nice
I think I will have to take a look around and see if I can find some images taken from the Panasonic, another brand that I truly trust as I own a pana camcorder LOL
Thanks for the Link to the other thread

It has helped.
Thankyou all