I would like to get a new digital camera. What can you recommend?

Problems i have with my current one are that if i don't use the flash indoors no matter how much light there is the picture will be grainy. But if i use the flash it reflex off everything light and white and makes the whole picture very bright. Also if i put the setting on anything but auto it will look grainy, dull and fuzzy. But auto works fine

I'm into taking all sorts of photos from the kids to landscapes. So i need something that is good for everything.

Needs to have black and white and sepia options.

Price is not a worry. I will pay for quality.