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Tue Dec 18, 2012 01:20 PM CST

Interest rates are expected to remain at historically low levels for the next couple of years, barring any market shocks. With a little planning, you can determine how to make smart use of money to finance operating lines of credit and capital purchases, or lock in rates and pay down debt.

“Farmers are traditionally risk averse, and I don’t discourage that,” says Warren Graeff, ag business banking market manager at PNC Bank, in St. Louis, Mo. “When you look at how good profitability has been even with the drought and how 2013 ...

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