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.
Out Of My Mind is a well written piece of realistic fiction that will tug at the heartstrings of readers. Melody is an endearing character: courageous, witty and persistent. Although she is confined to a wheelchair and cannot readily communicate with those around her, Melody is presented as a complex character who has the same desires as her peers; she wants to have friends, share secrets, dress cool and to belong.