I'm quite happy with my HP C6180. It's a wireless all-in-one photo printer that meets all your requirements except for the ink cartridges. It takes in 4 color cartridges. I thought it was a pain at first but I've found that I use a lot of only two colors so overall, I think it has worked out to my advantage. My main gripe is with the software though - it leaves quite a bit to be desired. Print quality is not amazing but good enough for an all-in-one.

I have the canon pixma mp610 and it is spectacular and pretty to look at. :) the lower price model (half the price at 100 bux) would probably be good, too, but i remember seeing enough of a difference that i went ahead and spent the extra since i had it. my model does use separate cartridges (i would assume the other does too), but the ease of use/quality of the whole machine make it worth it.