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.
Income. One of the most important qualifications for a first-time home buyer is a steady income. A buyer's income (or the combined income of a couple, if both are buying the home jointly) will determine the amount of the mortgage lenders offer, which in turn sets the price range that is realistic for you. New home buyers should also have a reasonable degree of job security.