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Parked on the corner of a Kenmore, Washington brewery is a bright orange food truck. It’s called The Vet Chef and inside is a former Marine with a passion for food.“The restaurant is a lot like the military,” said Chef Kyle Gourlie.“You have to do things at a certain time, follow the orders of the head chef,” said fellow veteran, Paul Welling, who worked at The Vet Chef for several years.Marine Corps Veteran Kyle Gourlie is used to following orders. “I did one tour to Ramadi, Iraq. I was a machine gunner on the top of a Humvee," he recalled. His orders look a little different these days, and he’s grateful for the new adventure. This food truck is the beginning of a new chapter, born from a love Gourlie’s had his entire life.“Aw man, I love food,” said Gourlie. “I could work a 14-hour day, wake up in the morning and start cooking food at my own house. It makes me happy. It’s my art, it’s everything to me.”The happiness he’s found now came after a long period of struggle and recovery.When Gourlie was deployed, an explosion almost killed him.“I peered over the top of my Humvee, and it was an IED. It blew me sideways. I broke my back in five places, my neck in three, and had a brain injury, but thankfully, I walked away with no scars,” recounted Gourlie.He spent two years healing, and even when he was physically ready to move on, Gourlie realized the transition to civilian life couldn’t happen overnight.“I’ve had morning routine to evening routine, every single day, planned out for me, order after order and that’s been my life. Now, I’m expected to do all this, and I don’t even know how to fill out a check, which was me, I had no concept of how to fill out a check. It’s scary," he said.It was his family who encouraged him to follow his passion into the kitchen and open The Vet Chef.“I was blessed I had a family and a wife because without them I would be lost.”But he didn’t want to stop there. Gourlie is making sure he’s hiring other vets to pay his good fortune forward.“A food truck, veteran-owned and operated that wanted to create this opportunity for other vets, and I’m like, ‘I could really get behind that’,” said Navy veteran Paul Welling.Even if their military careers made them friendly rivals, the bond Gourlie and his team share as service members is irreplaceable.“It’s been really nice to see people who have been on our truck build back into society, and I’m building with them, and it’s been wonderful,” said Gourlie.But working in this food truck is so much more than a job. Gourlie makes sure to pass on all of his culinary skills, so each of the veterans who come through here is prepared for a career for years to come.“We don’t always have that job that transitions in the civilian world, so you learn a lot of skills in the military, you can use those, but it doesn’t really give you a job path,” said Welling. “I think it’s great he wants to utilize those skills to maybe work on the food truck and maybe open up their own food truck and become masters of their own destiny.”And it’s not just professional skills these vets are learning. “Not every day is gonna be perfect,” said Welling. “One day, your generator’s going to go out in the middle of service, and I think that’s a good mantra for life: nothing is going to be perfect, but you try to help people and there’s always tomorrow.”Gourlie hopes tomorrow holds a future where this orange truck is a familiar sight across the country.“If we can ever get food trucks into vets’ hands and help them run their business, I think it’s gonna be wildly successful and get people back into society a whole lot better,” said Gourlie.It’s a mission this veteran will work tirelessly to accomplish because this comfort food feeds so much more than hunger.“They deserve every success they possibly could have because they’ve sacrificed so much,” said Gourlie. “It makes me feel blessed and honored to be a part of that.”If you'd like to learn more about The Vet Chef, click HERE. 3984

People took to social media Tuesday night to express their sadness after news surfaced that former first lady Barbara Bush passed away. The former first lady died at the age of 92. Sunday, a source said she was in failing health and decided against seeking further medical help. A statement from the office of former President George H. W. Bush Sunday read in part "she is surrounded by a family she adores."RELATED: Former first lady Barbara Bush dies at 92 486

People in Boston came together Sunday to run a course that spelled out the city's name, five years after deadly bomb blasts went off during the Boston Marathon.The city's triathlon team, Zoom Multisport, began what they call the #BostonRun two weeks after the 2013 bombings, said Greg Soutiea, one of the organizers. Several members of the club were stopped short of finishing the race or, for the ones who did finish, they were still downtown when the bombs exploded."A lot of people on our team needed closure," Soutiea said. "It was a way for our team to come together ... and support each other."Between 10 and 15 people ran that first year, he said; this year, about 150 people participated."We were all affected by the tragic events that occurred on a day that has always been so special to us," the club said on Instagram. "Today we ran our 6th Annual #BostonRun to remember those who we lost, those who are unable to run, those who fought to protect us, & for those who will toe the starting line tomorrow to fulfill their hopes & dreams."On April 15, 2013, two bomb blasts went off near the finish line of the Boston Marathon, killing three and wounding at least 260 others.One of the bombers, Tamerlan Tsarnaev, was killed in a shootout with police days after the bombing. His brother, Dzhokhar Tsarnaev, was arrested, and in 2015, he admitted to and was found guilty of carrying out the bombing and was sentenced to death.The attacks created an outpouring of local support and resilience that coalesced around the hashtag #BostonStrong.Two years after the attacks, the city of Boston officially named April 15 "One Boston Day," marking it as a day to encourage acts of kindness and goodwill.This year, the city of Boston observed a moment of silence at 2:49 p.m. on Sunday as part of the fifth anniversary of the terrorist attack.  1863

People who care about their credit scores tend to obsess about some things they probably shouldn’t, such as the possibility they might have too much credit.Let’s bust that myth right upfront: The leading credit scoring formulas, FICO and VantageScore, don’t punish people for having too many accounts. And right now, having access to credit could be a lifeline.In June, the median duration of unemployment was nearly 14 weeks, according to the U.S. Bureau of Labor Statistics. “Median” is the halfway point, which means half of the unemployed had been out of work longer. After the Great Recession, the median length of unemployment peaked at 25 weeks.Most households don’t have enough emergency savings to get through extended unemployment. Access to credit ultimately could be what staves off eviction, keeps the lights on and puts food on the table.Obviously, you can have too much credit if it would tempt you to spend recklessly. And the more accounts you have, the easier it might be to forget a payment — which can be devastating to your scores — or fail to detect signs of fraud.But that doesn’t mean you should worry about applying for the credit you need in the misguided notion that having too much credit is bad for your scores.“It’s not about the number of accounts,” says Ethan Dornhelm, FICO’s vice president of scores and predictive analytics. “It’s about how those accounts are handled.”It’s not how many cards, but how you use themBefore the advent of modern credit scores in the 1980s, lenders did worry that people who had access to a lot of credit would suddenly run up big balances, then default, says credit expert John Ulzheimer, who formerly worked for FICO and for Equifax, a credit bureau. But data scientists have since learned otherwise. People who had been responsible with credit in the past tend to continue being responsible.“I’ve got a gajillion credit cards,” Ulzheimer says. “I could charge up every single one of my cards tomorrow, but I’m not going to do that.”Although you can’t have too much credit, you can have too much debt. Having big balances relative to your credit card limits, or a bunch of cards with balances, can definitely hurt your scores, credit scoring experts say.“There’s no right number of credit cards,” says Jeff Richardson, senior vice president marketing and communications at VantageScore Solutions. “But if you have 22 cards and they all have balances, that can add up.”Even small balances and balances you pay in full can be problematic. Credit scoring formulas consider how many of your accounts have balances and how much of your credit limits you’re using, among other factors. The scoring system uses the balances reported by your creditors, which are generally the amounts from your last statement. You could pay those balances off promptly, but they still show up on your credit reports and affect your scores.Credit-building strategiesIf you’re trying to polish your credit, Ulzheimer recommends using one or two credit cards and not charging more than 10% of their limits. That may require making more than one payment each month to keep the balances low or asking issuers for higher credit limits.If you do use more than a couple of cards, paying the balances off before the statement closing date will typically result in a zero balance being reported to the credit bureaus, and that can be good for your scores.Be careful about canceling unused cards, however. Closing credit accounts can hurt your scores, since it reduces your total available credit. If you’re concerned a lender might close an unused card, you can use it occasionally and immediately pay off any charges so you have a zero balance on the statement closing date.If your credit scores are already high, however, Ulzheimer questions how much effort you should invest in making them higher. Once your scores are over 760 on the commonly used 300-850 scale, you’re getting the best rates and terms lenders offer.Another thing people worry about, but probably shouldn’t: inquiries. Applications for credit typically have a minor impact on your scores and any impact fades within a year. But Ulzheimer says people are often convinced otherwise.“It’s crazy how many questions I get about inquiries, and they are so meaningless in the grand scheme of things,” Ulzheimer says. “People love to obsess about little things that don’t really have a whole lot of influence.”This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletSmart Money Podcast: How to Travel Safely, and How to Handle Old DebtsTransition From Work-at-Home Novice to ProCan You Really Trust Your Payment App?Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 4764

Parents are facing tough decisions as the school year looms: Should they keep their children in school, or pull them and send them to a school that's already prepared for distance learning?K12 Inc. is the largest online education provider in the K through 12 space. They serve 30 states, with 6,000 teachers around the country and 120,000 students. Distance learning is what they do best, and these days, they're getting flooded.It's what Kevin Chavous, K12's President of Academics, says is "dramatic" increase in interest from parents. They've received thousands of applications since the spring."These are families that otherwise wouldn't consider a virtual option, but all of them say the same thing — they're so fearful about their kids' safety," Chavous said. "They're educated consumers, shopping around trying to figure out options."Most of the calls to K12 are coming from heavily-involved parents. They want to know the data; they want to know about the education, the structure, the sports, and the possibility of meetups."A lot of the data we look at shows that anywhere from 10% to 40% of the average public school parent says there's no way they'll send their kid back to the brick-and-mortar school they're going to — not because they have problems, but they're deathly afraid of the safety issue," Chavous said.Parents everywhere have questions, and they want answers. Chavous addressed the school's biggest selling point."Well, we've been doing it longer, and we do it better and we've refined what we do," he said.Nearly 500 of K12's teachers have enrolled in a Master's in Education in Online Instruction.It was a fast switch to online learning that jolted parents this past spring, and it's something that Southern California mom Christy Hartman doesn't want to do again."I can't do another semester of what we experienced last year," she said. "It was disjointed, she was a 5th grader and spent about 45 minutes a day (e-learning) — no live instruction from teachers at all."Hartman says she's decided that if her local school district continues full-time distance learning, she'll pull her child and send her to Sage Oak — a large regional charter school that offers personalized learning.Kids at Sage Oak meet in person once every 20 school days, and the rest is teacher-guided, teacher-supported instruction, led by parents at home.Sage Oak was prepared for the pandemic before it ever happened."We didn't have to make a ton of changes," said Chelsey Anema, the school's student services coordinator. "We did have to go virtual — which is unfortunate because we love and value the time we get to meet with students each month — but we are equipped with meeting virtually, so it wasn't a huge struggle for us."Anema says Sage Oak is getting between 50 and 60 new student applications a day. It's a demand they can't meet due to a new bill that caps school funding and enrollment in California.Parents have some choices to make. And K12 recommends that parents do their homework."Call all of us. Call the school district. Ask those questions, seek better answers," Chavous said. "This is a precious time for America as we go through this education reset and global reset, and we have to do it right. You only have one chance to educate your child." 3278

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