First and foremost, the way that you see colors is not the way that everybody sees colors. To cut down on this problem, use the Web-Safe Color Palette. Almost all graphics programs come with that palette, and if you can't find it, get it from the webmaster's page . These are colors that are shared by both Macs and PCs. Not everyone can distinguish colors, especially reds and greens.
People tend to hate black backgrounds, electric pinks, pastel-colored text on a white background.
Test out your color scheme with your friends, Kenny and David, your far-sighted grandmother. Ask them if they find your colors annoying. Nobody has any patience with pages that they can't read or can't stand. Test how your graphic looks on Macs and PCs. At different screen resolutions.