Learn More About Sheboygan's Conjoined Twins

Sheboygan's conjoined twins, Mateo and McHale Shaw, remain in Washington, D.C., but are continuing to do well.

They are joined at the lower back and spine and are expected to be separated later this summer.

You can read their parents' journal and sign a guestbook on their Web site.

To do this, visit www.caringbridge.org. Once you get to that main page, click on "Visit a Caring Bridge" site. Then, in the Caring Bridge site window that asks for a site name, type in "mateoandmchale."

On that Web site, you will also be able to find out about a fund set up at the Kohler Credit Union to help the couple with their medical expenses.

What are people saying about mortgages today:

Rates on 30-year mortgages edged down last week to a seven-month low. Mortgage-giant Freddie Mac reported Thursday that 30-year, fixed-rate mortgages fell to 6.3 percent, down slightly from 6.31 percent two weeks ago. It put rates at the lowest level since they were at 6.24 percent the first week of March.

Bank of Hawaii, Central Pacific Bank, Territorial Savings Bank and Wells Fargo Home Mortgages all cut their 30-year mortgage rates to 5.75 percent this week.

Most people think of a mortgage as a means to an end. After all, you buy a house, not a home loan. But a mortgage is much more than the path to homeownership. It is a financial instrument that must be managed, just like any other financial investment.