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.
They can ask about your marital status and the number of dependants you have to determine if you qualify as a first-time homebuyer. If you were once married and indicate that you formally owned a principal residence jointly with a spouse (and you have dependents), you qualify as a first-time homebuyer.