
seems you have been waiting a long time... and why me anyway?
Well so I don't disappoint, sorry to say it is something you are born with, talented designers just don't have to work hard its all natural

Colour is actually something I struggle with too, much like with anything it just takes practice. I think what helped me is a 3 month project at college when I was 17 all about colour theory, what different colours express and can mean on a site. Then if there isn't already existing branding of a site that I do I ask a client to best describe their company is 5 key words, from that you can get a feel for what they want to portray and create a colour pallet that suits their needs.
So best advice I can give is have a look around the net for some sites on colour theory and meanings of colour, and when you design a site think about what colour best represents the clients business...and if you need a helping hand creating a pallet from that check out the
colour resources thread, its full of good links
I often find monochrome sites the hardest to design for, as it takes a strong design and good layout to pull off such a bold design statement