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.
HUD considers individuals who meet other specific criteria first-time homebuyers, too. For example, a buyer who owned a home with a former spouse within the past three years is considered a first-time buyer if he is a single parent and no longer married.