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.
Conjoining hedonismâas a view as to what is good for peopleâto utilitarianism has the result that all action should be directed toward achieving the greatest total amount of happiness (see Hedonic calculus). Though consistent in their pursuit of happiness, Bentham and Mill's versions of hedonism differ.