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.
If you are a first time home buyer, you qualify for rebate of up to $2,000. Certain conditions and restrictions apply for which you need to read up on the Land Transfer Tax.elow are some first time home buyer incentives/ rebates: 1  RRSP Home buyers plan. 2  Ontario Land transfer tax rebate of up to $2,000. 3  HST rebate for new home buyers. 4  First time buyer tax credit.