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.
The easy solution is to know how much house you can afford before you apply for a mortgage. You can figure this out with our simple home affordability calculator. The guidelines we use are explained in this post. Buying your first home is one of the most important and exciting financial milestones of your life.