Voice Memo: A sleek-looking app that allows you to record notes to yourself or record your lectures if you have trouble staying awake in class. You can use the iPhone's built-in mic or a higher-quality external microphone if you want.
Everything else: It's hard to narrow down 100 new features to just 10, so here's a quick look at some of the other new features: notes sync, shake-to-shuffle songs (taken from the iPod Nano), stereo Bluetooth, increased language support, and YouTube account integration.
The new iPhone 3.0 promises to improve your iPhone and iPod Touch experience. There were a few things, like Adobe Flash support, that were noticeably absent from Apple's presentation; however, Apple did say they are working on tethering with its carrier partners (the ability to use your phone as a wireless modem) and to look for it in the future.