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.
King of Wishful Thinking. King of Wishful Thinking is a 1990 song by the British pop duo Go West. It was featured in the film Pretty Woman and appeared on its soundtrack. It was later featured on Go West's fourth studio album, Indian Summer, in 1992. The song was written by Peter Cox, Richard Drummie & Martin Page.