Thank you all for your generous information and help. A lot of food for thought. But first of all i am impress with the amount of reply and help i am getting which makes me feel more comfortable coming to film. I am also happy that the majority of you did not just blast me for using a digital point and shoot camera as a light meter and in fact a lot of you actually ask me to stick with what i have. You lot are a very practical bunch of people.
At this moment i will stick with what i have first and see how things goes. So far my only problem with the S90 is that the aperture value goes down to only f2 and the iso goes to about 100. This becomes a problem when i will be shooting at iso 20 or using a f1.4 aperture. I need to do a lot of mental calculations and i am pretty slow, yikes!
In fact i have one very important question to ask but was afraid to. The new film i am getting is rated at iso 20, how do i expose it at iso 20?? If i calculate from my point and shoot at 100 and half its value twice, it equates to 25. So how do i actually compensate to iso 20 from 25?? Am i missing something here?