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 buyers need additional help managing the costs of home ownership, such as taxes and insurance. Because these costs are separate from the mortgage and due less frequently, the borrower's mortgage lender often requires her to establish an escrow account, also known as an impound account.