I have a Panasonic Lumix DMC - FX500 and when I take pictures they look as if there is a fingerprint over the picture. I have cleaned the lens so it definately is not a fingerprint. any ideas what it could be?

I have had the same camera for quite some time and have seen similar issues. I do not take care of the camera all that well and it spends much of the day in my pocket as I find myself quite frequently needing a shot of something. Based on my research and own experience dust on the lens is quite common. If you're fond of the camera but unable to take the camera part yourself local camera shop may be able to clean it for nominal fee. I would not pay more than a bench fee of $20-$40. If you're adventurous the camera can be taken apart with a few simple steps as long as you're careful and familiar with how to remove ribbon cables in tight areas and have a clean workspace.