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Abstract
I took my first international trip 48 years ago as a young farmer in the year 1974. My experience as a farmer has been that international travel has not been an expense for me. International travel has been a valuable investment. International agricultural farm travel with farmers can significantly improve one’s inherent decision-making ability and thus actually be a profit enhancer to one’s business. This case study related to fixed vs variable interest rate is one example. One should strongly consider avoiding short term variable interest rates. Changes in interest rates can have a huge impact on one’s business profitability and survival.