Hey! This is your chance!
Even if you are the cheapest, nastiest geek in town, please consider donating some of your hoarded gold to the people affected by the Tsunami in the Indian ocean.
Two good places to donate are OxFam and the Red Cross (Australia) (or Red Cross United States). I expect that you could also walk into pretty much any bank and pledge some money.
You know you want to.
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It gives you 4 easy steps to find and validate a humble product idea.