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.
The First Time Home Buyer's class was great, I was able to understand the importance of obtaining a mortgage and the process of how to obtain one. This class was very informative. I still feel I have a little ways to go but I am more confident in moving forward with the home buying process.