The girl in the avatar looks beautiful although I always prefer transparent backgrounds over a regular background image. The colour scheme is kind of bright though, so one might want to look into that if one prefers a less eyepiercing vewing experience. What's really bugging me though is the name in the avatar. Yea I know, I am always complaining about that. But I really hate it. It's just me it seems. But I have to say the font is actually pretty neat, although a bit big for that kind of picture you've put it on. Other than that the avatar's pretty decent. I mean, there's a good ol' black border around it too, which is really nice. If one insists on having a background image, I'd always go with a border, especially a black 1px border. It looks always good, trust me. Only on images with a black background it becomes kinda difficult with black borders, so there it would be appropiate to have the border in the colour of the main colour scheme on the avatar (which, hopefully, isn't black as well in that case). Only the name ruins it all for me.
I'd give a solid 5/10, could be a 7 or something, but I despise names in avatars just that much.