A long time ago, in a galaxy far, far away, I made this site while I was learning about how to make free sites for linklists:
www.beginners.grandmascrotum.com/
It's hideously out of date and perhaps a bit too simplistic for you but it may be vaguely useful.
A few other thoughts:
The whole thing looks really 1999
If you want to have a graphic background, I think it always helps to have a solid, pale colour for your tables where the text is going to be. It just makes it easier for the user to read. And if things are easy, they will stick around and maybe buy. Also, add some margins to your tables. And use any font other than Times New Roman. Blergh.
You need to decide what your site actually is. Is it a health and information site? Or is it an erotic story site? Tailor things to your surfer. Separate out the erotic stories into a proper adult site.
Get rid of those fucking ADBRITE ads. Adbrite have been screwing over adult webmasters for years. You're better off using that space to advertise sponsors.
Need sponsors? I would suggest scrolling up to the top of the GG&J banner, clicking on "Resources" and perusing the list of available sponsors.
Stop your pages from opening in new windows, as Useless said. This means removing target="blank" from your code.
If you want to make a story site you can easily target female surfers and (cue spam) promote ForTheGirls.com. You can then submit the site to 4women linklists like MsNaughty and Karas Links.
With regards to pictures, you can use free content provided by sponsors or you can buy it from content providers. If you just want clipart or illustrative pics you can either search on "free clipart" and perhaps lose half a day or you can visit the Wikipedia Commons and find some public domain pics (usually very old pics).