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.
Tracy Chapman (born March 30, 1964) is an American singer-songwriter, known for her hits Fast Car and Give Me One Reason, along with other singles Talkin' 'bout a Revolution, Baby Can I Hold You, Crossroads, New Beginning and Telling Stories.