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.
A home-owning spouse can disqualify you as a first time homebuyer. The first-time homebuyer credit was established as a way to encourage home ownership. This credit generally doesn't require repayment as long as the purchaser uses the home as a primary residence during the 36 months following purchase.