I don't think the whole "above the fold" mentality is as relevant now as it was a few years ago. Monitors are bigger, and people are used to scrolling up and down a page. Sure, there should be something above the fold to entice the user to scroll, but to keep your content above the fold is just asking for a cluttered design.

You're scrolling now, aren't you? :-)

See http://iampaddy.com/lifebelow600/