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.
First Time Home Buyer (FTHB) The Housing Development Division of the Department of Housing and Community Development provides funding to developers, non-profit organizations and communities to assist first time homebuyers. Notice of Funding Availability; Project-Based Homeownership Guidelines file size 2MB.