Lynn Marie Goya website

Lynn Goya favorite destination: Spirit Mountain

Spirit Mountain in Clark County, Nevada is one of Lynn Goya favorite destinations for an outing with her family. Lynn Marie Goya website will contain a number of her favorite destinations as she has written about and traveled to numerous destinations across Clark County and the world. Many of Goya favorite destinations lie right here, in Clark County, however.

Educational Benefits for Veteran's Children

Educational Benefits for Veteran’s Children

As children across America head off to college, the costs can be staggering. But there are many educational benefits for veteran’s children who are permanently and totally disabled due to service-related circumstances or whose parent died while on active duty or as a result of a service-related condition.

As part of their veterans’ benefits, the Department of Veterans Affairs (VA) helps cover education and training support through the Dependents’ Educational Assistance (DEA) program. Benefits may be used for on-the-job-training, to take part in an apprenticeship, to be certified in a chosen field or to obtain or a college degree.

DEA will also help pay for correspondence courses or remedial, deficiency and refresher courses, under certain circumstances.

Children or spouses with disability may also find resources to support their training needs. Special Restorative Training or Special Vocational Training may be accessed to overcome or lessen barriers from physical or mental disabilities so that they may pursue educational or vocational programs. Dependents or survivors of a person that the VA has determined has a service-connected permanent and total disability or who is a member of the armed forces and is hospitalized or receiving outpatient medical care services or treatment are also eligible to apply for these funds.

Eligible dependents may receive up to 24 months of benefits. As of October 1, 2013, some benefits were expanded to 81 months through the GI Bill. Children of qualified veterans must be between the ages of 18 and 26, in most cases and not be serving in active duty within the armed forces. Spouses may qualify for benefits for up to 10 years from the date you were found eligible for benefits by the VA.

For more information, or to apply, obtain VA Form 22-5490. educational-benefits-for-veterans-children

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Lynn Goya is a regional best-selling author and Emmy-nominated writer who covers business, people, the environment, and families for regional, national and international publications including USA Today, Audubon and Outdoor Family. With many family members in the military, including an uncle who was a fighter pilot and POW in WW II, she has long been an advocate for military men and women.

 

Veterans Win in VA Reform Bill

Student Veterans Win in VA Reform Bill

Some win, some lose.  The VA Reform Bill, set to be signed into law on Thursday, demands that all public schools receiving GI Bill funds provide veterans with in-state tuition, saving students thousands of dollars per year.  Currently, many states already offer veterans in-state tuition.  This bill would extend that benefit to all states.

The losers, however, may be public schools, most of which have already swallowed huge cutbacks during the past recession. Veterans were a reliable source of much-needed revenue. The student veteran paid the difference between in-state and out-of-state costs, while the federal government covered the core in-state tuition fees. Public schools will now receive only the in-state fees.

Not all schools are subject to the new law, however. Private and for-profit schools already pull in the majority of funds distributed through the GI Bill.  Eight of the top 10 schools who received GI Bill funds for the 2012-2013 academic year were for-profit colleges, according to a Senate report (read here). Taxpayers spend twice as much, on average, to send a veteran to a for-profit school even though analysis shows that most students fail to obtain a degree. Almost 66 percent of students enrolled in for-profit schools dropped out in 2008-2009 without obtaining a degree.

For-profit colleges are also well paid. The University of Phoenix may be paid up to $20,000 per year through veterans’ benefits. Over the past five years, in fact, the University of Phoenix has received over $1 billion from 80,000 veterans using the GI Bill. Investigators say that private colleges often fail in core educational missions – educating students and helping them find jobs – all the while loading them with debt or sucking dry a GI’s educational benefits. Seven of the eight for-profit schools currently under investigation by state attorneys general or other federal agencies for “deceptive or misleading recruiting” are on the top-federal-aid list for receiving the GI Bill.

The Center for investigative Reporting found that a single campus of the University of Phoenix received $95 million — more than the entire University of California system — yet had an overall graduation rate under 15 percent. (No statistics were available that broke out veterans graduation rate.) Three hundred of California’s for-profit private schools failed to pass minimum standards for accreditation, yet they still received GI Bill funds. Many veterans now feel “tricked” into attending for-profit schools that fail to deliver a quality education.

Yet they stay in business through creative marketing and aggressive recruitment using veterans to reach out to target young veterans whose pockets are still full of GI Bill benefits.

For-profit school lobbyists routinely block legislation that attempt to determine whether veterans are getting a good education through for-profit schools. Additional losers may also include states, like Nevada and Idaho, that had already passed legislation providing the same benefits in order to lure veterans to their colleges and their state. Veterans “bring a worldly view,” says Ross Bryant, a veteran who attends the University of Nevada Las Vegas as an in-state student. “[States] hope we will stay here.”

by Lynn Goya

8/4/2014

Lynn Goya is a regional best-selling author and Emmy-nominated writer who covers business, people, the environment, and families for regional, national and international publications including USA Today, Audubon and Outdoor Family. With many family members in the military, including an uncle who was a fighter pilot and POW in WW II, she has long been an advocate for military men and women.

Dogs Help Veterans Cope with PTSD

 

Top PGA Golfers Tee-Up to Support Veterans and Families

PGA golfers tee-up for veterans

Top PGA Golfers Tee-Up to Support Veterans and Families

Top PGA golfers tee-up to support veterans with “Birdies for the Brave,” a free greens admission and golf lessons to active duty military, Guard, Reserve and retired military and their families at PGA Tour, champions Tour and Web.com Tour events across the country. The latest course to host the military families was the Professional Golfers’ Association Tour, headquartered in the plush green and its exceptional military outreach program.

Marine Corps Sgt. Maj. Bryan B. Battaglia visited Tournament Players Club Sawgrass to meet officials from “Birdies for the Brave,” which offers complimentary admission, lessons and more for active duty, Guard and Reserve and retired service members and their families at select PGA Tour, Champions Tour, and Web.com Tour events.

The PGA Tour public relations and community outreach director John Flaschner, listed the nine military homefront groups that Birdies for the Brave and PGA Tour players fundraising efforts are supporting this year. The groups and players for 2014 are:

  • Phil Mickelson: Homes for Our Troops and Special Operations Warrior Foundation;
  • Corey Pavin: Operation Homefront;
  • Jerry Kelly, Vijay Singh and Frank Lickliter II: Navy SEAL Foundation;
  • Rory Sabbatini: United Through Reading;
  • Ted Purdy and David Toms: Military Warriors Support Foundation;
  • Bubba Watson: Green Beret Foundation;
  • David Duval and Bob Duval: K9s for Warriors; and
  • Rod Pampling: Feherty’s Troops First Foundation.

In 2012 the White House’s Joining Forces initiative recognized Birdies for the Brave as one of the U.S.’s top military-friendly charities. “Our entire mission is just to say ‘thank you’ to military men, women and their families,” said Flascher.

The organization was created by pro golfer Phil Mickelson and his wife, Amy for troops who came home with combat injuries. At the time, Mickelson pledged $100 for each birdie and $500 for each eagle he made during his tour to the Homes for Our Troops and Special Operations Warrior foundations.

Now, Birdies for the Brave is in 32 of the 45 PGA Tour tournaments as well as six tournaments each at the Web.com and Champions tours. The PGA Tour has over 100 tournaments within three tours that include the Web.com Tour for young, rising players and the Champions Tour for players ages 50 and above.

And Birdies for the Brave is at 32 tournaments out of 45 on the PGA Tour, with a presence of six each on the Web.com and the Champions tours, Flaschner said. “Our goal by 2018 is to have a presence at all of these tournaments.”

Partner organizations include Operation Shower, a St. Louis charity out that coordinates with base ombudsmen and local stores to host surprise baby showers for pregnant mothers whose husbands are out of the area. Operation shower donates cribs, dressers and other essential baby items.

Battaglia applauded Birdies for the Brave pairing top-level athletes with military veterans and their families. Flaschner said he was also inspired to do something for service members who inspired others with their commitment to freedom and bravery.

Flaschner added, “Whether it’s mortgage-free home donations to wounded service members and their families or the donation of service dogs to veterans suffering from post-traumatic stress disorder, our fundraising events have raised more than $13 million for military homefront charities that directly benefit military members and their families. To see their gratitude for us when they’ve given so much is just overwhelming.”

By Lynn Goya

5-13-2014

Lynn Goya is a regional best-selling author and Emmy-nominated writer who covers business, people, the environment, and families for regional, national and international publications including USA Today, Audubon and Outdoor Family. With many family members in the military, including an uncle who was a POW in WW II, she has long been an advocate for military men and women.

Lynn Goya talks PTSD

Dogs Help Veterans Cope with PTSD

What if you discovered a way to save two lives at the same time? That’s what Cathy King, a long-time animal rights activist found she was able to do when she paired animal rescue dogs with veterans who needed the love and guidance of a trained rescue dog. Dogs offer their owners unconditional love, along with tools to help veteran through the mind-bending experiences of post-traumatic stress disorder (PTSD).

Service dogs help veterans with PTSD, panic disorders, anxiety disorders, depression and other conditions. Studies have found that service dogs trained specifically to be paired with veterans can reduce the severity of PTSD symptoms, suicidal behaviors as well as panic and anxiety disorders.

Formerly the Executive Director of Friends of Animals, King always had an interest in pet therapy. Animals, especially dogs, have been shown to improve the well-being of older people, hospitalized patients and heart attack victims. Simply petting a dog can lower blood pressure. Bringing a dog into a children’s cancer ward or an assisted living home has been shown to boost patients’ moods and their social interaction.  A UCLA study found that dog owners need less medical care for stress-related aches and pains than people without pets. Some studies show that pet owners actually live longer than non-pet owners.

Armed with this knowledge, King decided to start a nonprofit, Canines with a Cause, in 2011 that would rescue dogs from shelters, then train the dogs to help veterans with PTSD who are returning from war to cope with their symptoms. One in four Iraq and Afghanistan veterans experiences PTSD, depression and/or anxiety, making it difficult to reintegrate into civilian life. A companion dog can help heal the invisible wounds of war.

There is a huge demand for dogs to be matched with different populations, says King but she decided to concentrate specifically on veterans. “Dogs for autistic children need to be trained very differently than a see-alert dog, for instance. It didn’t make sense to try to be everything; it wasn’t working as a model. That’s why we ended up focusing on veterans. Now we are not trying to train a number of different types of dogs.”

The nonprofit focuses on three programs. Pawsitive Partnership: Veterans, that takes rescued dogs and pairs them with veterans who work together through the Canines with a Cause training program to meet the veteran’s needs.  These free training courses can last as long as the veteran likes, giving both the veteran and the dog time to learn and practice the Canine Life and Social Skills curriculum.

The Comfort Crew: Veterans goes one step further, training veterans to take their dogs out to aid other veterans in need.  The therapy animals are trained to go to VA hospitals and assisted living programs to provide comfort and love to veterans unable to care for a dog on their own.

Most recently, Canines with a Cause partnered with the Utah State Prison Women’s Correctional Facility to teach female prisoners how to train service or assistance dogs for veterans. There are more than 2.4 million people in prison, more than half of whom suffer from mental illness. This program allows these inmates to feel as if they are contributing to society as well as garnering the benefits of caring for and working with service animals as they train them. The Pawsitive Healing Prison Program allows the animals to live with the inmates, providing the women with a much-needed opportunity to love and cherish another living being. Trained dogs are then matched with veterans based on personality traits, size, energy level and other characteristics. “Most of these women are there for life, so they have very little interaction or touching. They really do bond with the dogs,” King said.

On the rare occasions when a match doesn’t work out, the dog is never returned to the shelter, King emphasized. Instead, the dog is matched with another veteran or an outside family. To find out more or to donate to this Utah organization, go to www.canineswithacause.com.

By Lynn Goya

Lynn Goya is a regional best-selling author and Emmy-nominated writer who covers veterans, business, people, the environment, and families for regional, national and international publications including USA Today, Audubon and Outdoor Family. With many family members in the military, including an uncle who was a POW in WW II, she has long been an advocate for military men and women.

Published in Veteran Journal

5-24-2014

Tax Tips for VA Loan Borrowers

4 Top Tax Tips for VA Loan Borrowers

Many people dread it, but it comes like clockwork every year – TAX TIME!  Tax Tips for VA Loan Borrowers can take advantage of many tax deductions that can result in paying less to the IRS, or getting a refund, when filing their taxes.

  1. Veterans who obtained VA purchase loans in 2012 can write off these costs:
  • Mortgage Interest
  • Discount Points
  • Origination Fees

Tax Tips for VA Loan Borrowers

The “big 3” mortgage write-offs can put many veterans who use them well over the standard deduction on their 1040 tax returns for 2012. VA borrowers, like other homeowners, are allowed to write off ALL of the mortgage interest they pay every year.  For the initial couple of years, almost all of your mortgage payments will go toward interest.  Therefore, this deduction is pretty sizable for new homeowners.

Discount points and origination fees associated with your 2012 home purchase can also be deducted – even if you weren’t actually the one to fork over the dough. VA loans allow for up to all closing costs and up to 4% concessions to be seller-paid.  Even if the seller or someone else pays discounts and origination for the buyer, the buyer can still itemize them on the tax return.

  1. Deduct Interest through a VA Cash-out Refinance

A VA Cash-out Refinance Loan can enable veterans with credit card debt to turn their high-interest debt into a low-interest mortgage payment with a tax benefit to boot.  Most credit cards carry an interest rate of around 21%.  The going mortgage interest rate is currently around 3.5 percent.  Veterans benefit twice when using the cash-out program, because they can reduce their monthly payments on their credit card debts and take the tax deduction on the mortgage interest paid.  When the VA cash-out program is used, the mortgage balance increases to reflect the cash taken from the home’s equity.

  1. No Capital Gains for Most Home Sellers

Married homeowners filing jointly can sell a home for up to $500,000 tax free. They must occupy the home for two years.  Capital gains can be avoided even if a different home is sold every two years.  Single filers are permitted to sell a home up to $250,000 with the same tax-free benefits.  As long as the home is used as a primary residence, a requirement for VA borrowing anyway, many veterans avoid paying taxes after selling a home. For active duty military members frequently reassigned, this can be an especially handy tax deduction.

For more on VA loans, contact a specialized lender.

By Lynn Goya

Published in Veterans Journal

1-7-2013

 

 

Lynn Goya's Writing for Families

Kudos for Lynn Goya’s Writing for Families

Lynn Goya’s writing for families received numerous kudos for each of the four editions of Fun with the Family in Las Vegas by Globe Pequot Press.

“The informal tone and exhaustive detail let you know the author is a mother who knows what kids like and how to find it.”–Daily Herald (Chicago)

From the United States

VespaGal

Reviewed in the United States on June 9, 2008

I’ve never been to Vegas; never really wanted to, actually. But guess what? We’re a military family and our motto is: ‘Home is where the Air Force sends us.’ How do you tell two teenagers that they have to leave their friends in our nice quiet community to move to “Sin City”? Well, for once, I did the right thing. I picked up Lynn Goya’s book, FUN WITH THE FAMILY LAS VEGAS and poured over the contents in one afternoon. The once crisp clear pages are now folded, marked, tabbed, and highlighted to grab the attention of my once unenthusiatic teens. Well, one month til “zero hour” and we’re ALL (myself included) actually really looking forward to checking out the great kid-friendly activities that Ms. Goya’s book introduced us to. Here’s the thing, my original plan was to avoid “the strip” at all costs — especially with the kids. However, Ms. Goya took me by the hand (well, it felt like that while I was reading it) and showed me each kid-friendly spot that “the strip” has to offer. Anyone for Laser Tag at Circus Circus? Uh, sign me up! Of course, you’ve got the Venetian and their gondola rides (Goya covers all that for you too), but frankly, most kids are going to want to have a hand in choosing which hotel to stay in based on which one has the coolest pool. Guess what, the book lays all that out for you as well. I’m telling you, as a military family we’ve traveled to at least 20 countries and countless states within the US and my bookshelf is busting at the seams with guide books to prove it. When comparing the general information that each of my other books has to offer with Goya’s FWTF LAS VEGAS, I have to say this one holds up on its own. For one, I can’t tell you how many times we would vacation and all my kids would talk about was how bored they were. Too many of today’s books show you where to stay, where to eat, how much each will cost you and the occasional historical building/monument that will take up all of 10 minutes until boredom sets in. How sad is it that we adults forgot how to have fun. I dare you all to try this one out for a day if you find yourself in Vegas. Hit the occasional casino if you want — Goya shows you each one’s kid-friendly hot spots, but get a car and drive off further afield to check out the REAL Las Vegas. Believe it or not people actually live there, and they love it. What’s not to love when you have Red Rock Canyon National Conservation Area in your back yard!!! Goya’s book covers it all, and more. I, for one, have gotten over the shock of having to relocate to Las Vegas and this book lent a huge hand in that recovery. I’ve got big plans for us all after all of the boxes are unpacked and this book will live permanently in my car for the next three years. Take the challenge and live like a kid again.
Mitch Spradley

Reviewed in the United States on March 24, 2002

One person found this helpful
Amazon Customer

Reviewed in the United States on February 10, 2002

dawn lights up the water at Lake Mead Fishing Tales and Friendship

Fishing Tales and Friendship

Fishing Tales and Friendship

The wind chimes were going mad Saturday morning, a clear signal for my husband, Alan, to stay in bed instead of rising before dawn to put on his waders to go fishing.  Lake Mead’s proximity was one of the major reasons we moved to Boulder City fifteen years ago.  Most weekend mornings will find Alan in his float tube on the lake.  The shore fishermen (mostly men) get there when the sky is still full of stars, float in the water or stand in their armpit-high waders, casting their lines, letting their voices carry to each other across the pre-dawn blackness, waiting for the Great White striper to strike.

Food, Fish Tacos and Friends

Alan’s been fishing and feeding his friends since he was a boy growing up in Hawaii.  Instead of organized sports, fishing absorbed their afternoons and summers.  They’d fish, free dive, spearfish, and surf, bringing home enough seafood to fill their freezers, their friends’ freezers, their neighbors’ freezers until the pots of everyone they knew were overflowing. So, in the middle of a desert, Lake Mead casts an irresistible lure. Here the variety of fish is minimal, but Alan’s fish tacos, featuring hand-caught striper, are legendary, especially among BC kids.

Unbreakable Lines

Over the past decade the invisible shore fishers whose voices call out to each other over the darkness have become linked.  In the predawn blackness their voices skim the water in a bawdy exchange of tall tales, daily fishing tips and updates on the figmentary notches on their fishing poles.   The voices have also told of cancer, Alan’s open heart surgery, divorce, death and financial destruction.

Fishing Tales and Friendship

It’s light out and I take my binoculars to look for shore birds.  While I look for heron, eagles, grebes and ibis, Alan seeks his friends, many ensconced in their trucks to keep warm as they watch their lines.  “They’ll worry if I don’t check in,” he says, which is more than I can say about my birds.

By Lynn Goya

Lynn Goya favorite destination: Spirit Mountain

The Problem with Wild Dolphins

wild dolphin

The Problem with Wild Dolphins

The problem with dolphins is that they are not whales.  Because they aren’t and never have been considered endangered, they lack protections that other cetaceans enjoy through the Marine Mammal Protection Act.  Until recently the only human threat to wild dolphins was their unintentional capture in tuna nets and their kidnapping for captive dolphin swim and clandestine defense programs.  But the current euphoria over swimming with wild dolphins in once-isolated Hawaiian bays appears to reflect a worldwide surge in frolic with dolphin “eco-tours.”

Four years ago an isolated bay on Oahu had six dolphin watching tours; last year the same bay hosted fifteen tour boat companies that were each carting groups of about 20 snorkelers to dump into the midst of a single spinner dolphin pod.   Add about 15 kayaks from another tour company and a napping bay for dolphins turns into a Friday night frat party – with about the same amount of decorum.

When a dolphin is spotted, boats converge, trying to intercept moving pods or drop their guests into the midst of stationary pods.  There are reports of a tour company off the Big Island that employs kayakers to herd dolphins toward customers.  As boatloads of tourists move in, it appears that dolphins and other sea life move out. Fishermen report that their catches have dropped dramatically, putting their livelihood in jeopardy, even as they dodge “eco-tour” boats.

The reason tour companies can offer dolphin swim programs is because dolphins are predictable.  Each night they swim hundreds of miles to forage for squid and small fish, then return at daybreak to a handful of shallow, sandy-bottomed bays and inlets around the Islands to sleep and reenergize – safe bays that allow dolphins to keep an eye out for marauding sharks.

It is the “absurdity of programs” as well as the increasing volume and intrusiveness of the swimmers that disturbs Peter T. Young, Director for Hawai’i’s Department of Land and Natural Resources.  Programs advertise spiritual communion, healing, and other touchy feeling interspecies exchanges, as well as the lure of interspecies bonding. The most outrageous was a request to start a birthing service with dolphins.  “Not only is that a safety hazard to humans, it has an obvious impact on the dolphins.”  Sharks and dolphins commonly occupy the same waters and those unscripted, and blessedly infrequent, interactions have also been documented.  Last year, “as people were in a boat looking down,” says Young, “a shark came up through middle of a pod with one of the baby dolphins in it mouth.”

The problem is that no single agency has jurisdiction to implement specific programs, although, Young says that the state has been told in “no uncertain terms” that cetacean protection is a federal issue.  National Oceanic and Atmospheric Administration (NOAA) Fisheries is in charge of coastal waters and cetacean viewing guidelines and on June 16, 2005 NOAA resubmitted the Marine Mammal Protection Act to Congress for reauthorization, along with recommendations for changes to key provisions strengthening enforcement and clarifying “harassment.”  Although scheduled for review every five years, it was last amended in 1994, well before swim with dolphin programs were really an issue.  Connie Barclay, NOAA Fishery agreed that at the last annual meeting of the Marine Mammal Commission “the topic of spinner dolphins was big.”  In mid-May at the NOAA Fisheries meeting of this year in Houston, Young again sought help from individuals within the federal agencies.  We are trying to get all of the different agencies together, said Young.

  • In the meantime, the State of Hawaii passed a bill placing a moratorium on new launching and landing permits to specific bays where dolphins and other marine wildlife have been steadily pushed out by excessive human interaction.  The moratorium will remain in place until an environmental impact study authorized in the same bill is completed (projected date 2007).
  • The State is also amending current permit language to replace existing permits as they expire compelling eco-tours, surfers, drifters, tour boats (and others) to keep the recommended 50 yards away from dolphin pods in bays and to swim away from wildlife or risk losing their permits.

In the cliffs below Kealakekua Bay, where dolphins typically rest, the state implemented a no swim, no vessel area.  “I discussed it with NOAA,” he says, “before we moved forward. Our interest is in resting areas. We are listening to biologists and doing what we can to encourage people to avoid specific activities and to help policy makers make decisions.”  Ideally, Young would like to see the MMPA amended to provide greater clarity on harassment and to allow state and federal agencies to have joint enforcement powers over violators. “Right now there is a 50-yard guideline for spinner dolphins, but that is a guideline, not a specific rule.  We’d like to impose a condition that if a dolphin approaches you in their resting area, you will retreat unless it puts you or the dolphin in danger,” says Young.

“Clearly,” agrees Barclay, “the distinction between ‘viewing’ vs. ‘interacting’ with wild marine mammals needs to be made clear to the public.”

by Lynn Goya