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Another reason to be wary of performing too many balance transfers is that the low interest rate you get with a new balance transfer credit card may just apply to the transferred balance itself. It is important to note whether the low interest rate on balance transfers also applies to purchases.

Should you need to make a new purchase with the card, the interest on your spending could be at the credit card's regular interest rate. However, certain balance transfer credit cards, like the Discover Platinum Card and the Citi Platinum Select Card, offer low introductory APR's on both balance transfers and purchases.

Meanwhile, be aware that with a balance transfer credit card, all the payments you make will likely first be applied to the 0% portion of your debt. As a result, any other credit card spending will accumulate interest until the transfer is paid off and you can then tackle the most recent charges.

However, all these warnings do not mean that a credit card balance transfer is always a bad idea. In fact, balance transfer credit cards can really work in your favor if used sparingly. If you don't go overboard with transferring balances, and pay attention to any balance transfer fees your credit card may carry, transferring your balance to a lower interest credit card can be an excellent way to save yourself some money as you pay down your debt.

5th District Congressional candidates differ on jobs

Nearly 15 million Americans are out of work, as the national unemployment rate held steady from August to September at almost 10 percent. The most recent state data shows that more than 10,000 workers are without jobs in Haverhill, Lawrence and Methuen.

It's no surprise then that the economy and jobs in particular has been the top issue for candidates in the midterm elections. The race in the 5th Congressional District is no different. Labor Department's Bureau of Labor Statistics, the national unemployment rate was 4.7 percent and just over 7 million Americans were without jobs.

Bolstered by the final federal jobs report before the Nov. 2 election, Tsongas's three challengers took aim last week at the Lowell Democrat and the rest of Congress for failing to spark a turnaround in the job market.

Another reason to be wary of performing too many balance transfers is that the low interest rate you get with a new balance transfer credit card may just apply to the transferred balance itself. It is important to note whether the low interest rate on balance transfers also applies to purchases.

Should you need to make a new purchase with the card, the interest on your spending could be at the credit card's regular interest rate. However, certain balance transfer credit cards, like the Discover Platinum Card and the Citi Platinum Select Card, offer low introductory APR's on both balance transfers and purchases.

Meanwhile, be aware that with a balance transfer credit card, all the payments you make will likely first be applied to the 0% portion of your debt. As a result, any other credit card spending will accumulate interest until the transfer is paid off and you can then tackle the most recent charges.

However, all these warnings do not mean that a credit card balance transfer is always a bad idea. In fact, balance transfer credit cards can really work in your favor if used sparingly. If you don't go overboard with transferring balances, and pay attention to any balance transfer fees your credit card may carry, transferring your balance to a lower interest credit card can be an excellent way to save yourself some money as you pay down your debt.

5th District Congressional candidates differ on jobs

Nearly 15 million Americans are out of work, as the national unemployment rate held steady from August to September at almost 10 percent. The most recent state data shows that more than 10,000 workers are without jobs in Haverhill, Lawrence and Methuen.

It's no surprise then that the economy and jobs in particular has been the top issue for candidates in the midterm elections. The race in the 5th Congressional District is no different. Labor Department's Bureau of Labor Statistics, the national unemployment rate was 4.7 percent and just over 7 million Americans were without jobs.

Bolstered by the final federal jobs report before the Nov. 2 election, Tsongas's three challengers took aim last week at the Lowell Democrat and the rest of Congress for failing to spark a turnaround in the job market.