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The Hubbard Avenue Diner just outside Madison, Wisconsin announced on their Facebook page that they will soon be serving 'Pie Tacos.'The restaurant, which was been working on the tacos for a while, will start selling them April 12th and will feature four flavors: Apple, Cherry, French Silk and Key Lime.All four versions of the taco will be baked in a pie crust shell and will be served in a traditional taco rack like you'd see at Bel Air Cantina in Milwaukee.Along with the fillings, the Apple Pie will be covered with a streusel topping, the Cherry will have a sugared "lattice" crust on top, the French Silk is topped with whipped cream and chocolate flakes, and the Key Lime is topped with whipped cream and lime zest.Fans of the restaurant certainly seem excited about the idea."Get one? Ha! Getting all four! Sounds delicious!" said Facebook commenter Kris Backes. 880

The interest rate on the 30-year fixed-rate mortgage remained near record lows in June and is likely to stay there in July.The 30-year fixed averaged 3.33% APR in the first four weeks of June, a smidgen lower than the 3.37% average APR in May and 3.36% in April. June’s rate average was the lowest in the four-year history of NerdWallet’s daily rate survey.A mission to reduce ratesMortgage rates were remarkably anchored from April through June after the Federal Reserve intervened to stabilize rates and push them down.But the Fed’s intervention hasn’t been entirely successful: Although mortgage rates have been remarkably stable, they’re stuck at a higher-than-expected level. To put it more bluntly, rates should be lower.Since March, the central bank has bought billions of dollars’ worth of Treasurys and mortgage bonds “to sustain smooth market functioning, thereby fostering effective transmission of monetary policy to broader financial conditions,” as the Fed explained in a June 10 statement.Dissecting that short passage:The Fed is saying that its goal is to push interest rates, including mortgage rates, lower. That’s what “transmission of monetary policy to broader financial conditions” means.It’s trying to accomplish that goal by buying Treasurys and mortgage bonds to calm and stabilize those markets. Stabilizing markets is a method, not the goal.? MORE: How mortgage rates are determinedFed failed to make a bigger splashThe Fed has succeeded in calming the waters. That’s why there were ripples, not waves, in fixed mortgage rates from April through June. But it has only partially succeeded in its goal to push interest rates lower. For the Fed to declare victory in “fostering effective transmission of monetary policy to broader financial conditions,” mortgage rates would have to fall another half a percentage point or so.With its intervention, the Fed decreased Treasury yields and mortgage rates. But the results are unequal: Since January, the 10-year Treasury yield has fallen a little over one percentage point, while the 30-year mortgage has fallen about half a percentage point. Normally, the two would fall roughly the same amount.Rates slow to sync with TreasurysWhy haven’t mortgage rates fallen further? You might guess that lenders are keeping rates elevated to offset the risk of mortgages going into default during the COVID-19 recession. But mortgage rates tend to fall during recessions.? MORE: What COVID-19 means for mortgage ratesMaybe mortgage servicers, the companies that collect monthly payments and work with past-due borrowers, want to be paid for the increased risk they bear, and it’s translating to higher rates. Maybe an undetected economic force keeps a floor on mortgage rates, preventing the 30-year fixed from falling below 3% and lingering there.A more plausible theory is that mortgage rates will follow historical patterns and shamble lower until they’ve fallen roughly the same as Treasury yields. That’s the conclusion that Bill Emmons, economist for the Federal Reserve Bank of St. Louis, makes in a paper titled “Why Haven’t Mortgage Rates Fallen Further?”Using history as a guide, Emmons writes, “we would expect a further decline in mortgage rates of perhaps 0.5 percentage points.” If he’s right, mortgage rates might drop in July.Don’t count on it, though. Not after these two months of stability; rates might continue to tread water.More From NerdWalletCompare current mortgage ratesHow much home can I afford?Buying or selling a home during the pandemicHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 3623

The number of Americans newly diagnosed with the coronavirus is falling — a development experts say most likely reflects more mask-wearing but also insufficient testing — even as the disease continues to claim nearly 1,000 lives in the U.S. each day.About 43,000 new cases are being reported daily across the country, down 21% from early August, according to data compiled by Johns Hopkins University. While the U.S., India and Brazil still have the highest numbers of new cases in the world, the downward trend is encouraging.“It’s profoundly hopeful news,” said Dr. Monica Gandhi, an infectious-diseases expert at the University of California, San Francisco, who credits the American public’s growing understanding of how the virus spreads, more mask-wearing and, possibly, an increasing level of immunity.“Hopefully all those factors are coming into play to get this virus under control in this country that’s really been battered by the pandemic,” she said.But insufficient testing is probably concealing the full extent of the crisis, said Dr. Jonathan Quick, who leads the pandemic response for the Rockefeller Foundation, which has recommended the U.S. test 4 million people a day by fall.“We’re grossly under-testing in some of the places that are still having high caseloads,” Quick said, singling out Mississippi, Texas, Georgia and North Dakota as hot spots with high rates of positive test results.Even at 43,000 new cases per day, the U.S. remains far above the numbers seen during the spring, when new daily cases peaked at about 34,000, he said.“It’s a good trend, but nowhere near what we need to be,” Quick said of the recent decline.The virus is blamed for more than 5.7 million confirmed infections and about 178,000 deaths in the U.S. Worldwide, the death toll is put at more than 810,000, with about 23.7 million cases.Jeffrey Shaman, a public health expert at Columbia University, said he is skeptical enough people are immune to significantly slow the spread. But he agreed that changes in Americans’ behavior could well be making a difference, recalling the impact that people’s actions had in containing Ebola in West Africa several years ago.“Ebola stopped for reasons we didn’t anticipate at the time. It was so horrifying that people stopped touching each other,” Shaman said. Something similar may be happening with the coronavirus, he said.“I know I don’t have nearly the number of contacts that I used to,” Shaman said. “But if we relax that, if we get complacent, will we just see another outbreak?”The decline in newly reported cases in the U.S. comes even as deaths from the virus remain alarmingly high. Officials have reported an average of 965 deaths per day from COVID-19 recently, down from 1,051 deaths a day in early August.Deaths from the coronavirus are a lagging indicator — they trail new infections because of the time it takes for people to get sick and succumb to the disease.The percentage of tests coming back positive for the disease has also declined over the past two weeks, from 7.3% to 6.1%. But that comes as the total number of tests administered has fallen from its August peak of more than 820,000 a day, leveling off in recent weeks at about 690,000 a day.The situation has improved dramatically in several states that struggled with high caseloads earlier this summer.In Arizona, for example, officials reported 859 new cases Tuesday, down from a peak of 5,500 in late June. More than 2,000 people arrived at the state’s hospitals showing symptoms of the virus on a single day in early July. This week, that number has been less than 1,000.In Florida, where more than 10,000 people have died, the state reported 2,600 new virus cases Tuesday. Earlier in the summer, it was regularly reporting more than 10,000 new cases.Malinda Coler, 37, of San Francisco, said she has been diligent about mask wearing and other preventive measures, less to protect herself than a best friend who has a compromised immune system, with severe arthritis psoriasis.“So I wear a damned mask and get infuriated when others don’t,” she said.Most states now have some type of mask requirement, either through statewide orders issued by governors or from city and county rules that cover most of their population.Even some conservative governors have gone along with masks. Mississippi Gov. Tate Reeves mandated masks in all public places earlier this month, and Georgia Gov. Brian Kemp dropped a lawsuit against Atlanta in a dispute over a requirement by the state’s largest city.In Leeds, Alabama, Will Heath said he has seen greater adherence to mask rules around town, whether in stores or at his 5-year-old daughter’s cheerleading practice.He and his wife, a nurse, have worn masks all along but said the attitude among others has shifted from “Even if I get it, I’ll be OK,” to “Let’s make sure we don’t give it to somebody else.”“We have all been sort of operating under the assumption that we all have it or we’re going to get it eventually. So we want to make sure we don’t spread it,” Heath said.Many places around the U.S. are seeing pockets of contagion, especially in college towns where students are holding parties and crowding into bars.Over the past week, 531 students, faculty and staff at the University of Alabama in Tuscaloosa have tested positive for the virus, according to the school. Alabama said it tested nearly 30,000 students before classes began. The mayor of Tuscaloosa shut down bars for two weeks because of the spike, which could derail plans to continue the semester on campus.The university is still moving ahead with fall sports in the football-crazed state, with plans to allow only about 20,000 fans at its 101,000-capacity stadium and a ban on tailgating. Coach Nick Saban weighed in on the virus Monday, urging people to wear masks.“It’s not just about football. So, for people to make the right choices and decisions to wear their masks, do the things when they’re out publicly, respect the rules, respect the virus, that’s important,” he said.It’s not clear what will happen to case numbers as more school districts bring students back to classrooms and colleges reopen their campuses. In recent weeks, schools including the University of North Carolina, Michigan State and Notre Dame have moved instruction online after outbreaks on their campuses.Officials at the University of Tennessee at Knoxville said four students are facing disciplinary proceedings after three hosted off-campus parties with no mask or other distancing and another left isolation to meet with others despite testing positive for the virus.“If the facts reported to the university are accurate, these students will face at least suspension from the university, and potentially greater penalties,” Chancellor Donde Plowman wrote.___Associated Press writers Mae Anderson, Nicky Forster and John Zenor contributed to this story. 6888

The holiday season is here and small businesses, particularly restaurants, need all the help they can get.Many have had to close their doors a second time as coronavirus cases soar and more states implement more stringent shutdown measures.“We’ve got to do what we’ve got to do,” said Alejandro Landa, a server at his family’s diner in Denver.Last week, Landa’s family had to decrease its indoor dining capacity from 50 percent to zero as the state implemented its “code red” COVID-19 lockdown, which only allows for limited outdoor dining, while also allowing to-go and delivery orders.He says the family learned that tips on any take out orders are a big help. Most servers rely on them for most of their income.“This is all we have right now,” said Landa. “It’s a family restaurant. It’s just my mom, my two sisters, and my grandma at home. It’s all we have, and we really need to keep it up because there’s no other place to go.”Other restaurants suggest checking to see if gift cards are available. Purchasing one can give the establishment a quick influx of cash, while offering the guest a dining experience once things return to normal once more.“When our GM said we won’t be able to do dine-in for close to the rest of the year, we’re like that’s crazy talk, this is going to get better,” said Sierra Taruini, an assistant manager at an Italian Eatery. “It hasn’t gotten better. I’m a little biased but I think our food would make for a great gift.”Tarquini is one of four people on staff at diFranco’s. Typically, the bistro employs 8-10 people, but the initial and subsequent lockdowns have forced them to cut staff to barely stay profitable.Tarquini says food delivery services such as Uber Eats and Door Dash can give them additional revenue, but she suggests ordering the food from the restaurant’s website directly. Oftentimes, those carrier services charge the restaurants a small fee per order. Tarquini says by calling the restaurant directly, they can save a few additional dollars, and more menu options may be available.“The phone doesn’t stop and that has really helped me,” said Ron Robinson, owner of Gaetano’s, an upscale Italian restaurant.Robinson says he never tried takeout before COVID because his dishes are made fresh and transporting them with the same quality can be difficult. Ever since he adjusted as a way to stay in business, however, he says people have shown massive support as they order directly from him for date nights and other occasions.“I had a guy the other night come in and get eight martinis to go,” said Robinson. “You know, they buy bottles of wine to go, so every little bit helps.”Robinson says if a restaurant offers alcohol, ordering a craft cocktail to go is beneficial. He says it allows restaurants to use and order more alcohol, which can be difficult since many of their bars are closed. He also says it can create more ambiance for a special event. 2920

The nationwide group behind the Women's March is organizing a national school walkout following Florida's high school shooting.The group is calling for students, teachers and parents to take part in walking out of school for 17 minutes - a nod to the 17 lives lost in the Feb. 14 shooting - to "protest Congress' inaction to do more than tweet thoughts and prayers in response to gun violence.""Enough: National School Walkout" is being scheduled for 10 a.m. local time across the U.S. on March 14.Organizers posted the event to Facebook with a message, reading in part:"We need action. Students and allies are organizing the national school walkout to demand Congress pass legislation to keep us safe from gun violence at our schools, on our streets and in our homes and places of worship." 804