Well my first impression of the site was that it is a little messy looking. Though the design is symmetrical, I am a bigger fan of things being even. You should extend the width of your header/logo image so that it matches with your navigation bar and ads column. Other than that the site looks good and full of content.
Yellow or orange color on blue is so cold I think. And also red on blue. Your logo, make it clickable to your homepage. Visitors usually click logos/banners to go back to homepage. To make your righ side better, fix banners sizes.
You need to sort the header. I wouldn't add a general section in the middle. You are trying to be all things to all people. Focus!
I appreciate the feed back and advice for my Financial Directory . I have made my logo clickable to the homepage, and I will look to fix the banner sizes. Thanks again. Any other reviews?