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.
Happy Loman. Happy shares none of the poetry that erupts from Biff and that is buried in Willyâhe is the stunted incarnation of Willyâs worst traits and the embodiment of the lie of the happy American Dream. As such, Happy is a difficult character with whom to empathize.inda is probably the most enigmatic and complex character in Death of a Salesman, or even in all of Millerâs work. Linda views freedom as an escape from debt, the reward of total ownership of the material goods that symbolize success and stability.