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 Program. 1  Very Little Down Payment Required. 2  Gift for down payment allowed. 3  FHA regulated closing costs.  Tax Benefits on your first tax return after purchase.