First: no offense, but it's pretty obvious that you're new to web design - and that's not a bad thing. However, before you start actually asking for money, you need to establish yourself.
I wouldn't suggest making a website advertising your business - which, by the way, you should come up with a name other than Dan's Web Design if you want to be taken seriously - until you have already succesfully designed a few live sites.
Instead, create a portfolio website... and if you have a real knowledge of flash, do it in that. Make sure it looks nice!
On your current site: it truly makes quite a few design errors. First, the ticker and the date are unprofessional and unecessary. Instead, put an advertisement or header there. Next, Times New Roman and all serif fonts are content no-nos. Don't put something that says navigation in, the users will know! Also, why are your nav buttons images if they're just links with backgrounds? Same thing could be achieved with CSS.
I'm glad that you are using CSS, but the way you set up your layout is pretty dumb - no need for position: absolutes, simply use floats and clear boths. If you don't know what the hell I'm talking about, then it's time to get reading up on CSS.
I wrote a css tutorial:
www.ace-dev.net/css
That should help alot.
Overall, your design seems a bit rough and unfinished. I think you need to browse other web designers sites (mine is
www.ace-dev.net) and really look at what color schemes work, and what typogrophies are nice, etc...
I hope this helps...
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