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.
Classes help first-time buyers understand the responsibilities of homeownership. Buying a home can be a complex, frustrating and financially risky decision, especially for first-time buyers. Some loan providers and loan insurers require first-time home buyers to complete education programs that will prepare them for the requirements and responsibilities of purchasing a home.