Good idea and nice design. But the title looks too simple, just change it with some good graphical effects..
Good template without color schemes and in content part the google ad box overlaps with the heading "Be careful at ATMS".Check it out.
It shows me: "Address Not Found Firefox can't find the server at www.scamspams.cn" I think the site is down...
probably would look better as a two column - or at least move the ads to the right. I don't like that it is a grey website and you have an off balanced bright yellow picture in the header. I suggest possibly straightening it out and rounding it off the corners like the rest of the website. I think with some minor tweaks you can get this to stop looking so cluttered and make this an over great design.