The code for the bullets you have to remove is this:
<ul><li></li>
</ul>
Remove that and you should be rid of the extra bullet. As for the columns, it looks like that image is just one image? I don't understand why you need three columns for that banner image, it appears to be doing ok as one piece.
Also looking at the code, you might be better off starting a new HTML page from scratch. Put every piece of text into notepad and copy and paste it from there back into a plain ol' HTML file. Don't assign any styles, any fonts, any colors, until your page is laid out as you need it.
But your stylesheet (CSS) is all over the place, there's a different style for almost every text item on the page. This is tough to explain.