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.
Many first-time home-buyers aren't prepared for the annual home maintenance expense that goes along with being a property owner. Regular repairs and maintenance of your new home will go a long way to preventing or avoiding large and costly renovation projects down the road.