The melodic euphoria, the gyrating funk progressions, and the warm rumblings of Devin Phillips' tenor saxophone grab your attention right from the get-go.

Programs like the Peace Corps, AmeriCorps, and Teach for America each provide a unique opportunity to travel, work, and volunteer around the world or in your own backyard.

Millions of us use online services like Netflix, iTunes and eBay to satisfy our need for fast and easy service. However, people are also using the web for something a little less entertaining, but just as useful: managing their money. According to Pew Internet, 43 percent of Internet users used online financial services in 2005.

Consider this:

Credit card companies are betting you're too young to understand this rule of thumb: If something sounds too good to be true, it probably is.