My own addition to the commentary is know the book on the camera.
READ IT!! Carry it with you in the bag. (You have a bag, right?)
For a point-and-shoot, low light will be very difficult. You can't manually adjust the ISO or the shutter speed, so it will give you long shutter (motion blur) and noisy pictures (excessive gain in the electronics trying to squeeze color out of the darkness.) Switching to B&W for low light is great, because low light HAS no color, only grays. Again, you probably can't control that with this camera.
One last thing with low light. You see those numbers on the front of the lens? The "7.9-23.7mm" is the focal length, which basically tells you it's a moderate wide to moderate tele zoom. The numbers are very small compared to an SLR because the image size on the sensor is very small. The other numbers, "1:2.8-5.2" is the maximum aperture at each end of the zoom range. If you don't know, the aperture number (f-stop) is a measure of how much light the lens can bring into the camera. The number is independant of focal length, which means at a given light level, same shutter speed, a 40mm lens at f2.8 will give the SAME exposure as a 300mm lens at f2.8. A smaller number means more light can get in. Since your maximum aperture is expressed as a range (as many zoom lenses are), you will see that fully zoomed in (tightest shot) you get less light in the lens, and fully zoomed out (widest shot) you get more. Behind the science of it, just be aware that the camera gets less light when you zoom in (get closer) which may affect your picture quality in low light.
Experiment, and learn. Look for situations, see what happens. Then when it happens again, you know how to handle it.
Learn how to turn the flash off. There's nothing more annoying than being in a dark theater for some friend's daughter's recital or whatever, they announce "No flash photography!" and you get flashes all through the show. Those people's pictures will be the backs of the heads of people in the four or five rows ahead of them, and a glow where the stage is. Won't help in a stadium, either. People who know cameras talk to each other behind their hands and laugh at people who use flash to take a picture of a projected image, or a subject 300 feet away.
I have a DCS-P92, which I really like. I shoot at 3 M-pixels unless I know I need more magnification for cropping than the zoom lens will give me. Supposedly, the 'digital' zoom is the same as cropping a 5Mp image, but I've found that the electronics behave differently. This one has the best flash of any of the digital point-and-shoots I've played with, and the best brains for mixing flash with available light. Downsides: red-eye reduction doesn't work for crap, and the focus beam is painfully bright if people are looking at the camera.
Another accessory I've found indespensible is a USB card reader. I found one by Lexar that's just a bit bigger than a thumb drive, takes memory sticks, MMC, SD, and xD:
Look at it here. The reader is USB2, and WAY faster than dumping direct from the camera's cable, and I got it for less than 20 bucks over a year ago.
One other thing I do after moving the pics to my PC is load the pictures into Photoshop and then do a "save as" to the same filenames, replacing the files. Suddenly the filesize is a quarter what it was, even with Photoshop's "quality" setting on 8 or 9.