There is an excellent article over at Macworld that gives a ton of great advice on how to capture the moment. It is not to technical, and is aimed squarely at those who wish to capture the moment without becoming a “professional” in the process.
I don't think it even mentions using the Mac as a platform, so Windows users, this is for you too.
This article will help you get the most out of the camera you have, and it is written in a down-to-earth fashion. I picked up a few things from it, I hope you can too.