For New bloggers and web designers its difficult to Get Targeted ads on adsnse.
this is the most common and main reason to getting banned by adsense.
so if you want to use adsense for great and safe earning use this steps carefully.
-first go to this website click here (it is adsense sandbox)
put your URL And see the types of ad appearing.
if most of ads are not targeted to your website so match the ads word and find it on your website(links,another advertising,refferell program link,wrong description etc..)
and re arrange it related to your website.
now clear all cookies on your web-brouser .
now close it and reopen it and use above steps until you see most of targeted ads.
Hope its Increase your targeting ads and CTR also.