Tax reform explained: How it helps our culture, our families, our economics


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TOM LAMPRECHT:  Harry, it was last Wednesday President Donald Trump said the American worker received a great Christmas present. He was talking about the new tax bill legislation that was passed. Analysis says legislation could increase the national GDP by 1.7 percent and wages could see a bump by 1.5 percent.

THE TAX REFORM GOAL

DR. REEDER: The Republicans in the Senate rise or fall with this and the Democrats now are on record as having voted against, en masse, a tax credit and tax simplification plan. Certainly, that will become fodder in the next election if the tax plan succeeds – and it’s the kind of tax plan that you’ll start getting the feedback pretty quickly on it.

Let’s take a look at it, Tom. The original idea was to get the seven tax brackets down to three or five. That did not happen, yet they did lower rates in every single tax bracket, but they also took away deductions at the same time in an effort to simplify and the idea was some of these deductions that only the rich can take advantage of, either by being able to secure lawyers who are competent to do it and tax experts that they can take advantage of it so, in that sense, the deduction reductions were supposed to be middle class and lower class-friendly.

And the idea was to put it on a postcard – right now, the figure’s being used that over 90 percent will go to the postcard and the reason why is because the deductions available have been reduced in terms of these intricate deductions and they focused in on things like child adoption, marriage, that there are either tax credits or deductions associated with that.

HOW THIS HELPS CULTURE

Now whether it’ll be over 90 percent or not, as it’s being claimed, I don’t know. They’ve doubled the marriage benefit and they’ve doubled the child tax credit. Behind that, now from a Christian world and life view, of course, I applaud that because, A.), it is a step toward removing the penalties on those who are married and, B.), it is a step toward supporting marriage, which is best for the next generation.

Yes, a single parent is going to have a challenge in this, but there are other remedies available to the single parent. However, those who are cohabitating without marriage and have children, this will be quite a hit on their pocketbook which, again, encourages marriage, which is, I believe, a good thing in our society.

Properly developed and prepared marriages is a good thing and so a tax system that encourages family structure, I believe, is good and this one does, undoubtedly, encourage the family structure and so I would strongly encourage that.

TOM LAMPRECHT: Yeah, Harry, it is interesting because, for years and years, we heard the complaint that there was a marriage penalty and many critics of this new tax plan are coming out and saying, “Whoa, this is not fair. There’s now a penalty against people that are cohabitating that are not married.” Yet, at the same time, we see the family structure and, in certain demographics, that there’s an absentee of fatherhood and there’s been correlations drawn together that that equals troubled young men that are growing up in our society.

DR. REEDER: Exactly. Let me navigate back to my statement. I’m grateful it encourages the family structures – no longer a penalty, there’s now an incentive to marriage, which is better for the next generation. It has been proven that children need fathers and mothers in their life and they need the stability of a family, not two people cohabitating while it is convenient and then they walk apart and now kids don’t have a family structure to be raised in or people that it costs them to be married.

HOW THIS HELPS ECONOMICALLY

When you get to the economic side, it is estimated that this will, “cost the government $1.5 trillion” in the final analysis of revenue, but the government says, in the dynamic scoring, it would actually end up in a positive. If you have a 1.8 increase in the GDP, revenue side of that will more than make up for the $1.5 trillion loss.

We’ve already seen immediately upon the passage of this, dozens of companies – I mean, big name companies – gave $1,000.00 bonuses to their workers, made certain promises and, in some cases, in the process of building new corporate structures that they were going to build overseas and, in some cases, begin the process of moving them back. They also created an incentive for the offshore money to be brought back, which is in the trillions and trillions of dollars.

They also, because of the efforts of a couple senators such as Senator Langford and Senator Lee and Senator Rubio and others, they were able to restore the adoption assistance which, again, is family friendly. Kids that don’t have families, now there is help for those who go through the enormous price tag, which is anywhere from $20,000.00 to $50,000.00 to get through all the regulations for adoption.

Their point is, “We can’t remove the regulations because we want to make sure kids get in good homes, but we can give some support – some tax relief – to those who are going through that process,” and that was put back in place as well.

Another thing that was done, Tom, is that they doubled the amount before any tax is placed upon estate inheritance. I abhor the “death tax.” I think you’ve already taxed that money once and I don’t think it’s fair to tax it again. I think it’s the government just saying, “We’ve got the power to do it and we’re going to get you twice.”

WHO TAX REFORM HURTS

There’s a basic approval of the tax reform, but when you go and ask people do they approve it on an individual basis, there is a negative response. It’s almost 2 out of every 3 say, “I don’t like the tax package because it hurts me.”

Well, it does hurt people. No. 1, fewer people are getting married and it does hurt them. Almost everybody loses some pet deduction that they had worked into their system. What they don’t take the time to look at is, “Yes, you can go to this simplified system now. Yes, you lost some deductions, but your rates are being lowered and these valid credits are being put into place.” With the rates being lowered and these deductions and credits in place, what happens now is, actually, you don’t need to go to this intricate system of deductions. And, by the way, you don’t even need to hire as many tax lawyers and accountants as you used to, either.

WHAT ABOUT THE SPENDING?

From a Christian world and life view, I’m always for a limited government. People say, “Well, they didn’t reduce spending.” Tom, it has proven out under President Reagan, a Republican, and President Kennedy, a Democrat, when they went through this tax restructuring and reform, there was a drastic impact on the income of the government because of the increased activity economically.

There is one view that, “The government deserves the money and we’ll see what we want to give you back. And, by the way, there’s a pie and we need to cut it up and the government ought to get the biggest cut so that it can redistribute wealth.”

The other group says, “No, let’s let people redistribute wealth. The government has certain functions, so let’s tax to get those functions done. Otherwise, let’s let people keep their own money.” And, when you do, not only do we divide up the pie, the people will actually make more pies.

WHY THIS IS A STEP FORWARD

Therefore, from a Christian world and life view, I support it because it’s a step forward – not complete, by any means – a step forward on limited government affirming that people own their money, not the government, a step forward in supporting the family structure, a step forward in affirming something we desperately need and that is the adoption ministry that our government ought to have in place, a step forward of simplification so that people can understand what’s going on at least a little bit more clearly – more or less can understand – and it is a step forward toward creation of wealth instead of redistribution of wealth.

For those reasons, I would support what is being done. What I am hoping is it’s going to be such a significant step forward that other things that need to be done will yet be done and somehow, out there, there can be an effort to deal with the issue of budgeting and, dare I open up a box – and I am at the age that it’s okay for me to open this box – the “entitlement pieces.”

And I don’t just see them as entitlement because people paid into Social Security, but I believe it would be fair to put a reform in that raises the age of receiving it commensurate with the rising age of life expectancy. It was established back in the ‘30s and modified once since then in light of life expectancy at one age and that has clearly risen and so I think it would be appropriate that people would begin to collect those things at a later date.

If nothing else, at least that would be a step forward in reigning in the spending area. Now, speaking of the spending area, something that’s going to affect the spending area, Tom, is the President’s Security Speech and let’s take a look at that tomorrow.

Dr. Harry L. Reeder III is the Senior Pastor of Briarwood Presbyterian Church in Birmingham.

This podcast was transcribed by Jessica Havin. Jessica is editorial assistant for Yellowhammer News. Jessica has transcribed some of the top podcasts in the country and her work has been featured in a New York Times Bestseller.

11 mins ago

Sara Evans is a 2020 Woman of Impact

One of country music’s most popular artists of the 21st century, Sara Evans, has adopted Alabama as her own, and she is not slowing down.

Earlier in 2020, Evans released a new album, “Copy That,” where she covers 13 classic songs, and published a new memoir, Born to Fly.

She came to the Yellowhammer State after marrying former University of Alabama quarterback Jay Barker in 2008. They now make their home in the Birmingham area along with their seven children.

The singer performs and releases music under the name Sara Evans, which is how Yellowhammer News is referring to her for the purposes of this article. Evans does not shy away from her married name; just in 2019, she released a six-track EP titled “The Barker Family Band” which featured herself, her son Avery and daughter Olivia.

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Evans was born and raised outside of a small town in Missouri and began her lifelong connection with music at age four. She had recorded her first CD and was attending country music events by the age of 9 or 10, according to a 2011 interview.

Aspiring to a career in music, she moved to Nashville in 1991 and worked as a waitress while trying to find her big break.

“Three Chords and The Truth” and “No Place That Far,” Evans’ first two albums, were released in 1997 and 1998 respectively. They earned the artist solid reviews from critics but did not make a big impact on the charts.

“If I’m going to have the career I came to Nashville to find,” she told a newspaper at the time. “I’ve got to get on the radio and give today’s fans what they want.”

“Born to Fly,” the album that resulted from this change in sound, achieved everything Evans aimed to accomplish. The Recording Industry Association of America has certified it as double platinum; meaning it has sold over 2 million copies. Singles “Born to Fly” and “I Could Not Ask for More” placed first and second on the U.S. Country charts.

After the breakthrough success, Evans never left the country charts for very long over the next decade; buoyed by singles like “Suds in the Bucket” and “A Little Bit Stronger.”

Evans’ albums “Restless,” “Real Fine Place,” and “A Little Bit Stronger” are certified platinum and five more albums by Evans are certified gold.

She won Top Female Vocalist at the Academy of Country Music Awards in 2006.

Her five most popular songs available on the music streaming service Spotify have been played a combined 101,997,937 times.

Jerry Sharpe, a music writer for the Pittsburgh Post-Gazette, described Evans as having a “a strong, spring-water clear voice, which she uses well.”

Evans met her now-husband when they were both in their 30s with kids. They were introduced by Joe Beam, a Christian speaker that focuses on love and marriage who knew them both previously.

“One defining moment was, I made the decision to walk into my office and email Jay Barker and say, ‘Hey, so-and-so told me that I should reach out to you. I want you to know that I’m praying for you, and I’m sorry for everything that you’ve been through,” Evans recounted to music website The Boot.

Barker was the starting quarterback on the Crimson Tide’s 1992 championship-winning team, and at the time when he and Evans connected they had both recently gone through painful divorces.

“He emailed me back within five minutes, and that was definitely a defining moment,” she added.

Evans brought three children to the new family, while Barker brought four.

“Our house is full of children and activities and chaos, but Jay is such a great support to me,” Evans told The Boot about her husband, who hosts a sports talk show in Birmingham.

Radio play by country music stations is dominated by male artists and programmed by male deejays, something that has frustrated Evans in recent years.

She has become an outspoken advocate for more women in country music and voices her opinions on the subject with regularity.

Evans has appeared at events and spoken up for the organization Change the Conversation that aims to gain more representation for women in country music.

“The lack of voices heard on country radio affect not only those who are making music, but those listening as well. Music plays a powerful role in shaping our popular culture. Today’s music does not reflect who we are as a country and sends the wrong message to our girls and women. Too often, country songs portray women as a pretty ornament on the passenger side. It is time to reclaim a woman’s place in the driver’s seat,” the organization says on its website.

Evans has remarked that for her most recent original studio work, the album “Words” released in 2017, she placed a greater emphasis on including female producers and songwriters to give their careers a boost.

At a Change the Conversation event in 2017, Evans said, “When I first got my record deal, women were dominating country radio. We had Faith Hill, Martina McBride, Reba McEntire, Trisha Yearwood, Lee Ann Womack, LeAnn Rimes, Shania Twain, Patty Loveless and on and on. I was fortunate enough to join that group of amazing women.”

“[W]e need to change the conversation and figure out why it is not that way anymore. Why are there not enough women on country radio? Women artists are amazing and they have so much great music that we want to hear and we need to hear, so let’s change the conversation,” she urged.

Yellowhammer News is proud to name Sara Evans a 2020 Woman of Impact.

Editor’s note: Yellowhammer Multimedia recently announced the third annual Women of Impact Awards. Honorees are being featured on Yellowhammer News each weekday through October 1. We will tell their stories one-by-one, utilizing written and video formats. Check back daily for more of Alabama’s best and brightest.

Henry Thornton is a staff writer for Yellowhammer News. You can contact him by email: henry@yellowhammernews.com or on Twitter @HenryThornton95

1 hour ago

Baldwin County residents throw parade for linemen amid recovery heroics

Southwest Alabama residents are celebrating the heroic linemen and support personnel who have traveled from across the country to restore utility services following Hurricane Sally last week.

WKRG reported that Fairhope residents on Tuesday night held a short parade downtown to express their appreciation for the power crews.

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The parade reportedly featured bucket trucks honking, with linemen inside waving, to those residents who took their time to line Section Street.

Alabama Power Company has restored power to its service area as of Sunday night, and Energy Institute of Alabama members continue to lead the charge restoring service to Baldwin County electric cooperative members, which was hardest hit by the slow-moving category 2 hurricane.

Sean Ross is the editor of Yellowhammer News. You can follow him on Twitter @sean_yhn

1 hour ago

Shadowy web of 20 ‘news’ sites operating in Alabama, tied to national network that invented quotes, bylines

A shadowy group of websites masquerading as local news agencies has been launched ahead of November’s high-stakes general election.

An investigation by Yellowhammer News uncovered the existence of “Yellowhammer Times,” which purports to be a statewide news organization intended “to provide objective, data-driven information without political bias.” The site’s “people” section, where one would expect its employees to be listed, is blank.

“We provide 100% original reporting, including to share as much data as possible from government and other publicly available sources,” the site claims. “We also provide a platform for all citizens whose views on issues are rarely heard. If you want a voice in your community, we want to hear from you.”

The website is admittedly owned and operated by Metric Media LLC and its parent Metric Media Foundation, a Missouri-based entity just granted 501(c)(3) nonprofit status last year. Publicly available data shows that Metric Media has not yet revealed having any assets, income or revenue through mandatory IRS filings. This means that at this point in time, the organization is effectively operating as a dark money group.

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Metric Media has a glitzy website that asserts, “Metric Media is funded by donations and grants from contributors who care about restoring local news in their communities.”

The website does list a three-person board of directors, which is reportedly chaired by San Francisco-based Rakesh Donthineni. The other named directors are Victor Chen of Los Angeles and Brent Southwell of Houston. Chen formerly worked for then-Beijing TV China, an entity of Beijing Media Network — which is owned and operated by the Chinese government, otherwise known as the Chinese Communist Party.

Metric Media’s explicit presence in Alabama does not stop at the statewide Yellowhammer Times. The bottom of this website links to 18 more sites, all appearing to be local or regional news agencies across the state. These publications are identical in format to Yellowhammer Times and are as follows: Auburn Times, Baldwin Times, Decatur Times, East Central Alabama News, Gadsden Today, Huntsville Leader, Jefferson Reporter, Mobile Courant, NE Alabama News, NW Alabama News, North Birmingham Times, River Region Times, Shoals Today, South Alabama Times, South Birmingham Times, Tuscaloosa Leader, West Central Alabama News and Wiregrass Times.

Publicly available domain information shows that these sites were all registered in May of this year.

That same month, Yellowhammer Times published its first “original story,” which was about COVID-19 related liability issues. The author is listed as a “T.H. Lawrence.”

Almost every story posted since then has been a completely automated story, mainly using RSS feeds to populate the stories on the site. This includes republishing press releases from Governor Kay Ivey, Alabama State University and the University of Alabama. The automated stories also include a lot of identical templates that simply display federal government-released data.

In all, Yellowhammer Times as of Wednesday at noon hosted more than 2,300 stories on the site — with only two listing a human author. The automated stories name “Metric Media News Service” or other entities such as “Locality Labs News Service” as the author.

One short story about lost Alabama tax revenue related to the pandemic simply does not list an author.

The second story to actually list an author, Juliette Fairley, advocated in July to fully reopen the economy and return students to school in the fall. This story was based on exclusive quotes from Alabama-based John Chamberlain, board chairman for Citizen Health. Citizen Health advocates for subscription-based medical services and disrupting the healthcare industry.

Yellowhammer News dug into the two authors listed on the site. Fairley is a national freelance author specializing in finance, while T.H. Lawrence’s name popped up across several sites in Metric Media’s network of more than 1,000 sites nationwide.

Yellowhammer News’ investigation also uncovered that T.H. Lawrence is indeed Tom Lawrence, a career journalist from South Dakota who was once executive editor of the state’s Black Hills Pioneer. He is now a freelance writer and blogger, appearing in local publications (under his real name) such as the Dakota Free Press, American News and South Dakota Standard. He also has his own blog, the Prairie Perspective. It should be noted that American News is owned by national conglomerate Gannett.

Columbia Journalism Review (CJR) in December 2019 published an in-depth investigative report that revealed some disturbing findings about Metric Media and its related entities, including Locality Labs. The investigation concluded that the network can be traced back to Illinois-based businessman and conservative activist Brian Timpone.

CJR was able to find at least 450 sites, all linked, operating under the banners of Metric Media, Locality Labs, Franklin Archer, the Record Inc. and Local Government Information Services. The entities at times — while being aimed at different states — shared IP addresses, Google Analytics IDs and other technical identifiers. Since December, the network has more than doubled in size, according to Metric Media’s own website.

CJR further traced Locality Lab’s origin story. The entity was once known as Timpone’s company “Journatic.” Journatic had to rebrand in 2013 following a national scandal over “faking bylines and quotes, and for plagiarism,” per CJR.

The CJR report followed a story published in October 2019 by a Michigan paper about Metric Media’s network that had popped up in that state. More local and national reporting followed, including by the New York Times and Guardian.

Yellowhammer Times republishes stories from other named entities in this Metric Media web, as well. For example, the publication ran a story from Empire State Today of New York.

This also includes another Alabama-focused site not directly linked at the bottom of Yellowhammer Times. Alabama Business Daily stories are republished on the site, and CJR previously reported there is an identical entity curated by Metric Media in each state. Yellowhammer News found that Alabama Business Daily’s domain was registered in February 2018.

With the 2020 election rapidly approaching, the existence of this network of sites in Alabama should raise alarm bells across the state.

Alabama was already besieged in the 2017 special election cycle by “Project Birmingham,” which utilized “Russian tactics” by Democratic operatives to aid the campaign of then-Democratic nominee Doug Jones.

Alabamians will hope that this type of disinformation campaign is not repeated this time around through Metric Media or its sister entities.

Secretary of State John H. Merrill has previously warned residents to arm themselves with the truth and to be wary of unknown sources spread on social media, especially.

“It is of paramount importance that the 4.8 million people who make up our state are informed with up-to-date, complete, and accurate information,” Merill has said in a statement. “All election-related information should come directly from our website or from your local election official. We are your trusted source for information related to the elections process.”

Sean Ross is the editor of Yellowhammer News. You can follow him on Twitter @sean_yhn

4 hours ago

Ivey, Orr and Battle team up for virtual groundbreaking for School of Cyber Technology and Engineering campus

Ground was broken on the new campus for the Alabama School of Cyber Technology and Engineering (ASCTE) on Wednesday, and prominent officials in Alabama delivered virtual addresses about the importance of the new institution.

The ASCTE is a magnet high school open to students from any of Alabama’s 137 public school districts. Located in Alabama’s cyber capital of Huntsville, attendees live on campus in a boarding environment.

Governor Kay Ivey, State Senator Arthur Orr (R-Decatur) and Huntsville Mayor Tommy Battle, the three public officials most involved in making ASCTE happen, spoke at the groundbreaking for the new campus.

ASCTE’s first crop of students enrolled this fall. They are currently taking classes in facilities on the campus of Oakwood University. The cyber school will move to the permanent campus that began construction on Wednesday upon its completion.

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(Huntsville Chamber of Commerce/Contributed)

According to materials provided by the school, ASCTE is the first cyber-focused school of its type in the country.

Orr sponsored the legislation to create ASCTE and now chairs its board of trustees.

The lawmaker from Decatur recounted that soon after he embraced the idea of a cyber-focused magnet school, he approached the governor and “she immediately saw the value.” Orr also praised the “support we got from the mayor’s office” as he and a team were putting together the project.

Ivey, who has made education a priority of her administration and in the last week created a STEM council, joined the virtual groundbreaking from her office in Montgomery.

“We must provide our state’s children with meaningful opportunities to pursue careers in STEM fields to ensure a prosperous Alabama of tomorrow,” Ivey remarked during her speech.

Battle was thanked in his introduction by Alicia Ryan, ASCTE Board of Trustees vice-chair, for creating the Cyber Huntsville initiative in 2010 and for his general support of the atmosphere that made the Rocket City fitting for a technology-focused school.

“Today begins a new chapter for Huntsville,” began Battle, who praised the “collaborative effort” that brought ASCTE into being and thanked Orr and Ivey by name.

“Welcome to Huntsville,” he told the assembled students who were watching via telecast.

Raytheon Technologies, a defense contractor with a strong presence in the Rocket City, is ASCTE’s most supportive corporate partner. The company donated $4 million to help get the school off the ground and was a partner in Wednesday’s groundbreaking. All public officials who spoke thanked the business multiple times.

“Our nation has a significant cyber talent gap,” remarked Wes Kramer, president of Raytheon Missiles & Defense, in talking about why investing in ASCTE was good for his company and the nation.

Matt Massey, a former superintendent of the Madison County School System, is the president of ASCTE and tasked with both leading the current iteration of the school and preparing it for the future.

ASCTE plans to go from the 72 students currently enrolled to over 350 by 2024.

Phillip Thomas (left) speaks on ASCTE groundbreaking (ASCTE/Screenshot)

One of those students currently enrolled, Phillip Thomas, spoke at the groundbreaking on Wednesday.

“Coming to this school was the best decision I have ever made,” he began.

Thomas assured those listening that the residential staff was top-notch and the boarding environment was welcoming and comfortable.

“I came here to further advance my path to engineering and cyber career opportunities, and this school is one of a kind in that regard,” he continued.

The freshman said his plan was to eventually earn advanced degrees in the fields in which ASCTE is giving him a robust primary education.

“The future of this world relies on technological advances, and I am excited to play a role in that innovation. Thanks to ASCTE, I will achieve these goals,” Thomas concluded.

Henry Thornton is a staff writer for Yellowhammer News. You can contact him by email: henry@yellowhammernews.com or on Twitter @HenryThornton95

Byrne: Help is on the way after Hurricane Sally

The aftermath of Hurricane Sally has left much of Southwest Alabama in bad shape. From the coasts of Mobile and Baldwin Counties to the northern parts of our district, winds and flooding have let many without essentials like power, water and shelter. Fortunately, help is on the way.

As the forecast showed the storm approaching, I began coordinating with the Federal Emergency Management Agency (FEMA), the White House, Coast Guard and our state and local elected officials and emergency management agencies. As the storm approached, it was clear there would be major damage. After the storm, by my request, Administrator Pete Gaynor of FEMA flew from Washington to Alabama. On Sunday, we drove all over Baldwin County surveying damage, and the Administrator was able to see with his own eyes the scope of the problem. I appreciated that Administrator Gaynor wanted to see it firsthand and talk directly to those impacted so he could understand the severity of what we are dealing with. In driving all over Baldwin County, we made constant stops to get out, walk through the devastation, and talk with people.

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During the administrator’s visit, President Trump granted Governor Ivey’s request for additional disaster relief, only 36 hours after an application was submitted. This speaks not only to the quality work done by the governor and her team but also to the commitment of FEMA, President Trump, and his entire team to get to work helping those in need, for which I am grateful.

The storm has been greatly underreported by the national media. It does not help that the unfortunate death of Justice Ginsberg occurred late last week. However, if this storm would have hit California or New York and had the same kind of impact, we would be seeing wall to wall coverage. Local first responders performed over 300 water rescues. Yet we only suffered two deaths. Certainly, even one death is a tragedy, and we mourn for the families who lost loved ones. But it is astonishing that a storm that defied forecasts to strengthen at the last minute and bring such flooding and devastation only caused two deaths. This speaks volumes to the work our emergency responders and volunteers did in preparing for the storm and carrying out their mission during and after landfall.

The media may not be paying attention, but President Trump and his administration have remained engaged in getting us what we need to hit the ground running with the rebuilding process. As a result of the disaster declaration, it is important to know what assistance FEMA will be providing to our counties and individuals. The two major areas covered by the FEMA disaster declaration are Individual Assistance and Public Assistance. Public Assistance is made available to counties and municipalities for debris removal, rebuilding public infrastructure, and working to restore utility services. Currently, FEMA can cover 75 percent of these costs.

Individual assistance is available for things like emergency housing repair and hotel costs. But before you know what assistance you may be eligible to receive, you must register with FEMA. This can be done online at www.disasterassistance.gov or by calling 800-621-3362. I cannot overstress the importance of documenting everything you do. Take pictures before, during, and after, and keep all receipts. FEMA will help our city and county government with debris removal, but you must haul your debris to the side of the road and follow guidance from your local officials. FEMA is also providing items like tarps and bottled water at stations throughout Southwest Alabama. The disaster declaration also triggers help to those who may have lost their jobs because of the disaster, like unemployment insurance benefits. I encourage you to contact the state unemployment office if you have lost your job due to Hurricane Sally.

In addition to FEMA’s response efforts, the Small Business Administration (SBA) is now accepting loan applications to assist with both physical and economic damages. These low-interest loans are available to businesses who have experienced substantial damage and may not be able to reopen their doors for some time. I encourage those businesses who need additional financial assistance to register with FEMA and apply for the loan that best fits their needs. Loan application details can be found at www.sba.gov.

As always, my office is a phone call away and can provide assistance or direct you to where you can find help. Alabama will get through this disaster as we have others in the past.

U.S. Rep. Bradley Byrne is a Republican from Fairhope.