Not everyone receiving a cash gifts want to make a 20% downpayment, though. Cash gifts are also allowed for low-downpayment mortgages including the FHA purchase mortgage, which requires a 3.5% downpayment; and the Conventional 97 mortgage from Fannie Mae and Freddie Mac which requires just 3% down.
Hardwiring Happiness is a psychology/but actually mostly a self-help book. I obviously went into it with expectations that weren't met, but it's not all bad. I did get the psychological research that I wanted and more.
From 2007 to 2009 Kohli wrote Hardeep is your Love, a column for Scotland on Sunday, on topics that mainly concerned food and family and being ashamed of enjoying Harry Potter. 'Kohli was put forward for Scottish press awards as a columnist twice, but was never placed.