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I am a Mortgage Broker and there is a whole list of thinks I would do different, who knows if I would be right.
I think it would be good if you study some sites and find the best / see what works for you.
Here are a few tips for what it's worth:
1) Don't go contraversal you might get a spike but nothing long term!
2) Always be politicly correct as webmaster. If you need to post an opinion log in as a user.
3) Your site is too confusing. Your users are not computer/tech guys. --- One menu would be better.
4) Drop that big logo. to flashy
5) Make that "Welcome to ..." smaller - see my site
6) Remove Google and don't do ads until you have a stady allways returning group of users.
7) Don't give more then 5 recent news, no one will read thru your list.
8) If you are willing to try all that pm me and I will take a look when you are ready.
You are welcome to check out my site.
Over 1000 bikers at
http://vmclinks.com