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Among them were the concentration of wealth in the hands of the few, an overproductive agricultural sector, poor banking and investment practices, a fragile international economy and land speculation.S. Without an inspection, you could be making the biggest investment of your life in a lemon. Making energy-efficient home improvements can also score some modest credits. You also don't want to purchase a home that has a cracked foundation or some other deal breaker without having the option to go back to the negotiation table. The S&Ls couldn't adjust interest rates on their fixed-rate home loans to reflect the higher interest rates they were paying on borrowed funds. You can budget regular payments into the account, calculate when you'll reach your goal and watch your funds grow. Once the budget is made, though, it can be tempting to stop keeping up with every little expense. The United States Secretary of Energy oversees a budget of approximately $23 billion and more than 100,000 federal and contract employees.