I changed the layout and added a new header to my blog. What do you guys think? It's still a work in progress. http://theroadtowealth.blogspot.com
195 KB for the header picture is too much. I think you should work on its optimization. The overall design looks good. I would not use the serif font as it makes it really hard to read. You could also move the ads from the bottom of the page to the top joining them with the top graphic banner.