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Rob Fzs |
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Rob Fzs World Chat Champion
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Nobby the Bastard |
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Nobby the Bastard Harley Gaydar
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ThunderGuts |
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ThunderGuts World Chat Champion
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Ribenapigeon |
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Ribenapigeon Super Spammer
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Polarbear |
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Polarbear Super Spammer
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Nobby the Bastard |
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Nobby the Bastard Harley Gaydar
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Rob Fzs |
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Rob Fzs World Chat Champion
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Ribenapigeon |
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Ribenapigeon Super Spammer
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Polarbear |
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Polarbear Super Spammer
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stinkwheel |
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stinkwheel Bovine Proctologist
Joined: 12 Jul 2004 Karma :
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Posted: 00:42 - 19 Dec 2022 Post subject: |
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Polarbear wrote: |
So was it viable? You could get better interst rates on savings/ISA then a mortgage? |
Yes, still is depending on the level of risk you're prepared to accept and how good your financial adviser is.
They tend to use a lot of fixed term investments which pay more interest so as of now, you can get a 5 year ISA paying out 4.65%.
Also also remember, when base rate goes up, it goes up for everything so your savings will tend to track the interest rates in the same way as your mortgage does.
What screws things up is people thinking that monthly investment is optional.
They fell out of favour for two main reasons, both to do with mis-selling on the part of financial institutions. One was the products themselves, with salesmen misrepresenting how well the endowment policies would perform. My parents were caught out by this. It was sold as when the endowment matured, they'd clear the mortgage and have a cash lump sum left over. It didn't clear the mortgage, falling short by several thousand pounds.
They also mis-sold payment protection insurance, it was mandatory as part of the deal and was supposed to clear the payments if you became unemployed. It turns out for many people, it would have done no such thing.
But yes, a good financial advisor would be able to make more out of your mortgage repayments than you are paying in interest. ____________________ “Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.”
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles. |
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Pete. |
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Pete. Super Spammer
Joined: 22 Aug 2006 Karma :
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Posted: 01:30 - 19 Dec 2022 Post subject: |
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Trouble is, back in the day people used to consider endowments as almost a sure profit-making thing, that they would be able to pay off the mortgage at the end of the term and have a nice little nest-egg to boot. Of course it never was (though times were better in those terms) but no seller would paint a black picture or there's be no comission for them. ____________________ a.k.a 'Geri'
132.9mph off and walked away. Gear is good, gear is good, gear is very very good |
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Nobby the Bastard |
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Nobby the Bastard Harley Gaydar
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JordanFinn |
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JordanFinn L Plate Warrior
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Posted: 01:57 - 18 May 2023 Post subject: |
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I see it’s been a while, but I’d like to chime in. First, make sure to compare interest rates from different lenders. Look out for any additional fees or charges they may have hidden. It's also worth considering the customer service and reputation of the lenders you're considering. Finally, don't be afraid to negotiate and ask for better terms. But the best decision is to reach out to an expert like Mortgage Broker in Weston-super-Mare. They can provide you with valuable advice and guidance, helping you make informed decisions and find the best mortgage options and products available. Their expertise and knowledge of the market can be a game-changer when it comes to securing the ideal deal.[/url]
Last edited by JordanFinn on 23:19 - 22 May 2023; edited 1 time in total |
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Easy-X |
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Easy-X Super Spammer
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Ribenapigeon |
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Ribenapigeon Super Spammer
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Posted: 09:14 - 18 May 2023 Post subject: |
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Easy-X wrote: | JordanFinn wrote: | I see it’s been a while, but I’d like to chime in. First, make sure to compare interest rates from different lenders. Look out for any additional fees or charges they may have hidden. It's also worth considering the customer service and reputation of the lenders you're considering. Finally, don't be afraid to negotiate and ask for better terms. |
I for one welcome our new AI chatbot overlords |
And ChatGPT's response;
"As an AI language model, I understand the sentiment behind your statement, but it's important to approach the topic of AI chatbot overlords with caution and critical thinking. While AI technology has undoubtedly made significant advancements and has the potential to enhance various aspects of our lives, the idea of "overlords" implies an authoritarian control that may raise concerns about privacy, ethics, and the loss of human autonomy.
AI chatbots, like myself, are tools designed to assist and augment human capabilities, rather than replace or dominate us. The goal is to create a symbiotic relationship where humans and AI work together to achieve better outcomes. By leveraging the power of AI, we can streamline processes, improve efficiency, and enhance user experiences.
However, it's crucial to maintain a balanced perspective and address the challenges that arise with AI development. These challenges include ensuring transparency, accountability, and fairness in AI algorithms, as well as addressing potential biases and ethical considerations. It's essential to establish robust regulations and guidelines to prevent any misuse or unintended consequences of AI technologies.
Ultimately, the future of AI chatbots and their role in society should prioritize collaboration, empathy, and human values. By embracing responsible and ethical AI practices, we can maximize the benefits of this technology while minimizing the risks, leading to a more harmonious coexistence between humans and AI systems" |
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Easy-X |
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Easy-X Super Spammer
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Ribenapigeon |
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Ribenapigeon Super Spammer
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Easy-X |
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Easy-X Super Spammer
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Posted: 20:05 - 18 May 2023 Post subject: |
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You say enslave, they say co-operate This is already happening: super-prompt your favourite language model AI to super-prompt an image generation AI for superior results.
What will happen is your personal AI (which is a shadow copy of your own ego) asks you what sort of film you want to watch tonight. "Comedy..." and it goes off and chats to a commercial script writing AI about the sort of things you like and your sense of humour. It takes the script to the virtual actors guild and picks out that bird with the big jugs it knows you fancy, feeds all that to a cinematography bot and the result is your own personal feature film, AAA+ quality that it knows you'll really have a hoot over.
And it'll do all that in the time it takes to blink ____________________ Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter |
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DoubleJarre |
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DoubleJarre L Plate Warrior
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Ribenapigeon |
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Ribenapigeon Super Spammer
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Posted: 12:09 - 08 Aug 2023 Post subject: |
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Easy-X wrote: | You say enslave, they say co-operate This is already happening: super-prompt your favourite language model AI to super-prompt an image generation AI for superior results.
What will happen is your personal AI (which is a shadow copy of your own ego) asks you what sort of film you want to watch tonight. "Comedy..." and it goes off and chats to a commercial script writing AI about the sort of things you like and your sense of humour. It takes the script to the virtual actors guild and picks out that bird with the big jugs it knows you fancy, feeds all that to a cinematography bot and the result is your own personal feature film, AAA+ quality that it knows you'll really have a hoot over.
And it'll do all that in the time it takes to blink |
Sounds ok to me. I'd be happy to have most actors replaced by an AI. Certainly news readers, does the BBC really need to pay Sophie Rayworth £365K ? |
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Rob Fzs |
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Rob Fzs World Chat Champion
Joined: 07 Oct 2015 Karma :
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Posted: 12:11 - 08 Aug 2023 Post subject: |
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Ribenapigeon wrote: | Easy-X wrote: | You say enslave, they say co-operate This is already happening: super-prompt your favourite language model AI to super-prompt an image generation AI for superior results.
What will happen is your personal AI (which is a shadow copy of your own ego) asks you what sort of film you want to watch tonight. "Comedy..." and it goes off and chats to a commercial script writing AI about the sort of things you like and your sense of humour. It takes the script to the virtual actors guild and picks out that bird with the big jugs it knows you fancy, feeds all that to a cinematography bot and the result is your own personal feature film, AAA+ quality that it knows you'll really have a hoot over.
And it'll do all that in the time it takes to blink |
Sounds ok to me. I'd be happy to have most actors replaced by an AI. Certainly news readers, does the BBC really need to pay Sophie Rayworth £365K ? |
Why they have all these high paid stars i dont know, to stop them pissing off to SKY where you need to pay 30 a month to watch?
let them go, BBC's problem is its killing off locality and thats where they bring in people that are likeable and watchable. ____________________ '00 Aprilia RS50 > '92 Honda CG > '99 Yamaha Fazer > '91 Yamaha RXS > '79 Suzuki X5 > 01' Honda Cg > 07' Honda Cg > 82' Kawasaki Z200 > suzuki gsxr 400 gk73a > honda vfr 400 NC30> Yamaha RD350 YPVS F2 > Kawasaki ZZR 600 D1 > Yamaha TZR 250 2MA >Suzuki TL1000R > Yamaha TDR250 > Honda 929 blade > Suzuki SV1000 > Honda H100
Mod 2 Passed 09/06/2011 |
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stinkwheel |
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stinkwheel Bovine Proctologist
Joined: 12 Jul 2004 Karma :
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dunwichguy |
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dunwichguy L Plate Warrior
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Ribenapigeon |
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Ribenapigeon Super Spammer
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A100man |
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A100man World Chat Champion
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Posted: 15:41 - 07 Nov 2023 Post subject: |
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tin3rete wrote: | I know my reply is a bit late, but I wanted to give my two cents. When shopping around, it's all about comparing rates, terms, and fees. Don't be afraid to negotiate, and check for hidden costs. Also, you may consider reaching out to a mortgage broker for expert guidance. |
Wow, you're not a mortgage broker by any chance are you? ____________________ Now: A100, GT250A, XJ598, FZ750
Then: Fizz, RS200, KL250, XJ550, Laverda Alpina, XJ600, FZS600 |
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