I really really can't stand LowerMyBills.com's online advertising creative. They are so awful and unimaginative that they reduce the standards of ads that on a good day 99% of the people ignore. So it isn't bad enough that their original exceptionally horrible dancing shadow ads were routinely ridiculed with searches in Google and then they followed up that classic ad with truly insensitive ads proclaiming housing payments falling as people started to lose their homes, but now they resurrect dancing ads without benefit of a frequency cap.
Yes every day I log into my Yahoo Instant Messenger (preferred over my AIM account) and unlike AOL which redirects my web browser to an AIM page (helping AOL's pageviews and time spent online, no doubt), Yahoo serves a pop-up called Inside Yahoo!. Inside Yahoo! has nice tips and of course a standard 300x250 ad unit which the marketing geniuses at Lowermybills.com have commandeered. So, what do these marketing cretins do? They load up that space with ads and for the past 2 weeks or so keep serving the same crappy ad over and over again. The ad unit is flash and when you hover over it (of course by accident only) you can control the dancing ladies. Of course the women, if you can get over the poor quality, are scantily clad and dance like drunken strippers found in the worst sections of Staten Island.
Look marketing folks at Lowermybills, please rotate in other ad units. It is a simple process and any ad server can do it for you (I use Atlas). Also, please read up on ad frequency if you haven't done so already. Yahoo IM users login every day and sometimes more than once; this means that at least once per day they see the same crappy ad every day. I know this ad unit is dirt cheap compared with other ads you might buy, but that's no excuse for not changing the creatives at least twice per month.
Besides that, I sure hope you are measuring your CPA and not just cost per click. Personally I'd never click on one of these ads for fear that they'll be the only ones I see online for the next 30 days assuming you are smart enough to know about re-targeting.
And, finally you know what really gets me about your "ads"? The crappy creatives and low quality probably reach out to the exact same audience of homeowners that are seeing their homes foreclosed because of bad mortgages they picked up a few years ago. Folks that thought that their adjustable rate mortgage could easily be refinanced when their homes continued to skyrocket in price, only to find out that the housing market bubble crashed and now their homes are worth less than they paid for it. Why when I see your ads every morning that I think you are reaching out to this audience? (I have no idea of course who their target is)
I really hope some of my friends at Yahoo ask them to remove the ads or rotate in new creatives. Seriously, I know I'm not the only one who hates Lowermybills' online ads. Yahoo, you are the only ones that can stop their insanity at least every two weeks.