A CVT does not strictly require the presence of a clutch. Nevertheless, in some vehicles (e.g. motorcycles), a centrifugal clutch is added to facilitate a neutral stance, which is useful when idling or manually reversing into a parking space.
To avoid financial disasters such as bankruptcy or foreclosure, first-time home buyers should conduct thorough research on real estate prices, neighborhoods and financing options.
Assistance. First-time home buyers should also become familiar with all of the federal, state and local assistance programs available. These programs may include access to special low-interest rate mortgages, tax breaks on mortgage interest or a tax credit just for making the purchase.