In need of a good sound effect? FindSounds is a free service that allows you to… well… find sounds :)
What it does is it crawls the web and indexes sound files, then as a user you can filter by file format, quality, and file size.
The result is a search engine with probably the largest collection of sound effects you could possibly imagine, all of which can be previewed and downloaded easily.
No speech or music here though, but it’s perfect for Windows sound themes, or phone message/ring tones (If your phones can use WAV files as ring-tones).