This might be cheating, but I found this great website that helps you pick your web palette. All you have to do is pick out your favorite colour and it will pick the whole palette for you a total of five colours. You guys should really try it out. With the palette it has the html code for each colour listed.

www.website-colors.com

One amazing tool I've found lately (and just posted in this same forum in another thread, I just hope people don't think I'm advertising it...) lies HERE (English, v2.0). It has many options, like how many color groups, easy-to-use interface, preview of how do the color scheme would look to people with limited color vision, among other things. Up to now it's the best in my personal opinion. Try it out people, and you wont regret =)

Although I really like to avoid using plain old white for the most part, I do agree that black text on a white background just can't be beaten.

Using different shades of the same colour for your site is also a really good idea, it's what I do for the most part.

I usually prefer, for example, a darker blue colour for a main tables border and heading, but shade it down slightly for inner content. It makes things look much better.

Softer colours seem to go really well, like with this forum.

Although I think black and white websites a little boring, I think that too many colors can loose focus. The worst case is that the colors causes loose in readability. There are some website out there that the background color and text color has too little contrast and extremely hard to read. The best color scheme is simple and pleasing and also focuses the viewer on the main focal point. But I would take black and white any day over website that are hard to read or a rainbow of colors.

The color scheme also gives the reader some clue to the type of website it is. Normally office business sites are fairly boring and simple. Personal homepages are the opposite.

I agree that monochrome is probably the best. I don't think just using complementary colors will cut it. I don't want to stay at a website that long if it looks like a christmas tree, haha. So, green and red have always seemed difficult for me to use for website colors.

in order to find color codes to use in my site i use this web-site may be you want to try it ?
http://wellstyled.com/tools/colorscheme2/index-en.html

I implemented "color from header image" on my websites. You can see the example at http://www.iyoh.uni.cc.

I put some header images and randomize it, so text, ads and sidebar color will follow the base color of header image.

Nope. Site-specific user CSS ftw!