You made an excellent purchase. I prefer the Panasonic FZ series (have an FZ28), and DPreview's recent comparison rated the SX20 and FZ35 the current best super zooms.
If you want to be prepared for special situations, there is no substitute for practice, and not much cost except time, so take a lot of pictures!
(And get some software - Lightroom is great, Picasa is good and free, Photoshop Elements or PaintShop Pro are good, Paint.Net is ok and free.)
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