Assuming you save your passwords on your iPhone (iPod touch and iPad as well), you don’t remote wipe it and assuming the person who finds it is a pretty astute hacker, you may want to reset your passwords. PCWorld details how an iPhone can be jailbroken and give up passwords in just 6 minutes.
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Step by step (with pictures) how to jailbreak your iOS device running the latest software 4.2.1

“Angelheaded hipsters, cease your burning, cease your pining for your ancient heavenly connection to the starry dynamo in the machinery of night,**” iPad 2.0 is coming and where v.1 was magical, v. 2 could be poetry, maybe, just believe.

The best Engadget show ever Apple co-founder Steve Wozniak goes about the issues with the white iphone delays, and reveals towards the end that he has been printing his own $2 bills for the past 20 years, GREAT SHOW Check it out
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The iPhone comes with a small selection of default ringtones, but you can make your own using any mp3 or DRM-free song in iTunes. Below are step-by-step instructions on how to do this.
