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.
1 The typical age of home buyers has remained at 39 years of age since 2007. 2  However, when looking closer there are differences among first-time home buyers and repeat home buyers.  The age of first-time home buyers fluctuates with household affordability.