Digital cameras forum: budget camera

I would like a decent one that at least on 400 iso it wont be bitty

That's not what I would call high ISO. Any compact camera can give acceptable ISO 400 images if you only print small, or view the images sized to fit a laptop screen.

Fast is a different issue. A camera needs time to focus and calculate exposure. Compact cameras don't do that well in low light. It helps to anticipate the shot by pre-focusing, i.e. pressing the shutter button down half way to engage the autofocusing and exposure systems.

You haven't said what you need high ISO for, but since you also asked for fast, I would assume you want to capture a moving subject indoors. There is no small camera that can do it well, certainly not those that are cheap. ISO 400 would not be nearly high enough, because you also need a fast shutter speed to freeze movement. The only way to get what you want with a small camera is to use the flash.

Here's a shot from my refurb Kodak Z5120 for USD 149.99 to my mailbox.
http://i175.photobucket.com/albums/w146/rproffitt2000/100_0027.jpg

It's a panoramic shot but just last week I found a refurb Kodak Z990 on sale and picked that up too. It was USD 129.99 to my mailbox.

Both were refurbs but can rankle the camera purists. There is another model I'd like to try which is cheap and has an optical viewfinder. It even has a review at CNET. Here's the two links for this USD 120 buck camera.

http://reviews.cnet.com/digital-cameras/ge-power-pro-x500/4505-6501_7-34515261.html
http://www.amazon.com/GE-X500-WH-Optical-Digital-Camera/dp/B004LB4SBG

Given that I have the Kodak models I see no reason to play with the GE-X500 since it looks to have less going for it indoors.
Bob