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.
Tuesday, November 21, 2006. Pedophilia and Ephebophilia. Age of consent laws have been of interest to me since watching the indie revenge thriller Hard Candy, in which 32-year old Jeff tries seducing 14-year old Hayley. This makes Jeff not a pedophile, but an ephebophile, and there's a big difference between the two.