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.
Andrew W.K. in 2006. Andrew Fetterly Wilkes-Krier (born May 9, 1979), better known by his stagename Andrew W.K., is an American singer-songwriter, multi-instrumentalist, entertainer, motivational speaker, and music producer. As a musician, he is known for his singles Party Hard and We Want Fun.