I want a camera I can take kayaking.
Requirements:
1) Must have a viewfinder.
2) Must be water-resistant. This does not mean waterproof, I am not going diving with this camera. But if it gets splashed on, or even briefly submerged, I want it to keep working.
3) Must have a minimum of 6x optical zoom, with 2x or 4x digital zoom.
4) Must be priced less than $250
Sadly, you're not going to find a camera with all those requirements. Optical viewfinders just aren't done anymore on point and shoots.
I know you don't need a waterproof camera, but I don't think there are any water
resistant cameras. Besides, I'm not sure a water resistant anything is a good idea for kayaking. I don't care how brief a submerging it gets.
I know it doesn't meet some of your requirements, but GoPro just announced new cameras today, and one of them was a
$129 entry-level camera. It doesn't have a viewfinder, and unfortunately it doesn't have a zoom at all, but it's half your budget and waterproof.