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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 parent company for Gap and Banana Republic announced Friday that they would close more than 225 stores globally to "further advance its long-term strategic priority of a smaller healthier fleet."The closures are expected to occur this year with more stores closing in 2021, Gap Inc. said in its earnings report.According to the New York Post, many of the stores closing are located in malls.Also stated in its earnings report, the company closed 25 Old Navy's, 87 Gap's, 50 Banana Republic's, two Athleta's, one Intermix, and eight Janie and Jack stores in the quarter ending Aug. 1.Aug. 1 had 3,814 stores worldwide, which is 100 fewer stores that they had on Feb. 1, which was 3,919.Due to them temporarily closing their stores due to COVID-19, the company stated that they began the quarter with an 18% decline in net sales. 839

The New York State Department of Taxation and Finance has issued a subpoena to Michael Cohen as part of its ongoing probe into whether the Trump Foundation violated New York tax laws, a department spokesman confirmed to CNN.This probe is separate from the New York attorney general's lawsuit against the Trump Foundation. The Tax Department is not able to bring any criminal charges, and if it finds any wrongdoing, the department would have to refer it to the New York attorney general's office or another prosecutor's office."A subpoena has been issued to Michael Cohen for relevant information in light of the public disclosures made yesterday," said Tax Department spokesperson John Gazzale in a statement. "We will be working with the New York Attorney General and the Manhattan district attorney as appropriate. We can't comment further on this investigation." 874

The government’s leading infectious disease expert told CNN on Thursday that the NFL will need to take significant steps in order to conduct a season this fall.During an interview with CNN, Dr. Anthony Fauci said that the NFL will need to consider playing games in a “bubble,” much like how the NBA and MLS plan on resuming their seasons later this summer."Unless players are essentially in a bubble -- insulated from the community and they are tested nearly every day -- it would be very hard to see how football is able to be played this fall," Dr. Fauci told CNN. "If there is a second wave, which is certainly a possibility and which would be complicated by the predictable flu season, football may not happen this year."Dr. Fauci's comments come as several states, including Arizona and Florida have seen a jump in coronavirus cases. As of now, the NFL continues to plan on playing games in home stadiums.But decisions on moving forward will need to be made in the coming weeks, with training camp starting in a month, and preseason games in August.NFL chief medical officer Dr. Allen Sills told the NFL Network that placing NFL players in a “bubble” was not realistic. The number of players and coaches employed by the NFL is considerably higher than the MLS and NBA."Dr. Fauci has identified the important health and safety issues we and the NFL Players Association, together with our joint medical advisors, are addressing to mitigate the health risk to players, coaches and other essential personnel," Sills said in a statement to the NFL Network."We are developing a comprehensive and rapid-result testing program and rigorous protocols that call for a shared responsibility from everyone inside our football ecosystem. This is based on the collective guidance of public health officials, including the White House task force, the CDC, infectious disease experts, and other sports leagues."Make no mistake, this is no easy task. We will make adjustments as necessary to meet the public health environment as we prepare to play the 2020 season as scheduled with increased protocols and safety measures for all players, personnel and attendees. We will be flexible and adaptable in this environment to adjust to the virus as needed." 2249

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