Michael Martinez lists 25 SEO tips and among them are the 2 most successful (easy money, low hanging fruit) changes that I’ve seen generating results.  These two:

• Stop using keywords in your URLs.
• Stop using keywords in your titles.

http://seo-theory.com/wordpress/2007/10/16/20-hard-core-seo-tips/

He goes on to explain that if your SEO strategy is limited to these 2 practices, it is not a strategy and I have to admit that this has been the core of my strategy.