“When do you think the Federal Reserve will lower interest rates? These higher rates are killing my small business!” The question posed by a long-time reader of this column is one on the minds of most Americans. It is difficult to know exactly when a rate change will occur. Before the January consumer price index (CPI) was released on Feb. 13, the odds were that a reduction would occur in March, followed by a gradual cutting of rates. But since the CPI of 3.1% was more than the expected 2.9%, more inflation than anticipated is still present. And this has...

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