Take pictures on trips and probably portraits

Always, it will improve the quality of your photos, believe my words

I believe that we should not compare between such models due to different category for same, but if you are going money-wise SX40 will be much cheaper & equipped with a tele lens (built in).

unlikely the T1i will shot much clear photos & give a profissional touch to your photoes, & in case you want to learn & develop yourself; then you should get ready for further needs. DSLR cams will enable you to get different lenses & will cost you much of course.

finally if you are interested in photography & will learn more, & may bay for some stuff later you can get T1i; but if you are not sure if you are going to upgrade later & you like to make zoom & shot far targets & you are not in need for lenses & don't wanna pay much then go for the SX40.