Well I'll have to take your word for it on those, I can't find any announcements. 0% balance transfers are just teaser rates to switch and are short term till regular rates kick in. Still not a bad solution for those with 'permanent' balances. Just play one card off against the other. My personal preference is to just pay the balance each month.
Yes mortgage rates aren't really affected by the short term rates but rather the libor rate. I personally think that with rates near historical lows and unless deflation truly happens (unlikely given the printing presses working overtime) its a good time to borrow money if you have a need. The problem now seems to be that those who need the loans aren't elligible.
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