Finance & Real Estate

Exact prompt

Organize the information below into a cash-flow scenario for educational planning. Show calculations and assumptions, but do not tell me what financial decision to make.

Income and timing:
{{income_details}}

Expenses, obligations, and timing:
{{expense_details}}

Scenario assumptions:
{{assumptions}}

Instructions:
1. Normalize the supplied amounts to the requested period while preserving irregular timing and distinguishing gross from net figures.
2. Group fixed commitments, variable essentials, discretionary items, debt payments, transfers, and one-off costs without silently recategorizing them.
3. Show the arithmetic for baseline inflow, outflow, and timing gaps.
4. Create conservative, baseline, and optimistic scenarios only from ranges I provide.
5. Identify missing taxes, fees, renewals, contingencies, currency effects, or data that could materially change the picture.
6. Separate facts from assumptions and sensitivity-check the two most influential assumptions.
7. Prepare questions for a qualified adviser where tax, debt, benefits, investment, insolvency, or legal issues arise.

Return a transparent table, scenario comparison, timing risks, verification checklist, and adviser questions. Do not recommend products, borrowing, investments, or a personal budget target.

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Income and timing{{income_details}}

Supplied after-tax or before-tax income amounts, frequency, variability, currency, and effective dates.

Expenses and obligations{{expense_details}}

Known costs, debts, transfers, due dates, frequency, and whether amounts are estimates.

Scenario assumptions{{assumptions}}

The planning period, user-supplied ranges, expected changes, exclusions, and intended use.

Exact prompt

Build an educational comparison of the housing options below using only the figures and assumptions I provide. Do not recommend an option.

Housing options and quoted terms:
{{housing_options}}

Household context and time horizon:
{{household_context}}

Cost assumptions and sources:
{{cost_assumptions}}

Instructions:
1. Separate upfront, recurring, variable, financing, transaction, maintenance, insurance, tax, utility, and exit costs when applicable.
2. Preserve dates, currencies, rate types, contract conditions, and which figures are quotes versus estimates.
3. Show formulas and a year-by-year view for the supplied time horizon without inventing appreciation, rent growth, rates, or returns.
4. Create scenarios only from ranges I provide and show which assumptions drive the difference.
5. Include non-financial factors supplied by the household, such as flexibility, accessibility, commute, maintenance capacity, and moving risk, without monetizing them automatically.
6. Identify omitted costs, legal questions, eligibility conditions, and local rules requiring verification.
7. State what a lender, broker, tax adviser, lawyer, inspector, or tenant adviser should confirm.

Return a comparable-cost table, assumption ledger, scenario analysis, unknowns, and professional-review checklist. Do not predict property values or advise buying, renting, selling, or borrowing.

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Housing options{{housing_options}}

Quoted prices, rents, financing terms, fees, property details, dates, and conditions for each scenario.

Household context{{household_context}}

Planning horizon, location, constraints, priorities, and non-financial factors supplied by the household.

Cost assumptions and sources{{cost_assumptions}}

Dated estimates, ranges, source notes, currency, inflation treatment, and explicit exclusions.

Exact prompt

Prepare a property due-diligence checklist from the supplied facts and jurisdiction context. Organize questions; do not interpret legal rights or recommend proceeding.

Property and transaction context:
{{property_context}}

Documents and disclosures available:
{{available_documents}}

Jurisdiction and priorities:
{{jurisdiction_priorities}}

Instructions:
1. Inventory what is known, stated by a seller or agent, independently documented, visually observed, and still unknown.
2. Group checks for title or tenure, boundaries, planning, permits, easements, hazards, structure, services, environmental conditions, shared property, insurance, occupancy, tenancy, and transaction costs when relevant.
3. For each high-impact item, name the document, qualified professional, authority, or physical inspection that could verify it.
4. Identify dates, expiry, scope, exclusions, conflicts, and missing pages in supplied records.
5. Separate questions for the agent, seller, inspector, lawyer or conveyancer, lender, insurer, owners corporation, and local authority.
6. Define unresolved conditions that should pause further commitment until qualified advice is received.
7. Protect current occupants' privacy and avoid assumptions about people based on neighborhood or property data.

Return an evidence register, role-based checklist, contradiction log, priority questions, and stop conditions. Do not certify title, condition, compliance, value, insurability, or suitability.

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Property and transaction context{{property_context}}

Property type, location, intended use, transaction stage, known features, statements, and observations.

Available documents{{available_documents}}

Disclosures, reports, plans, certificates, contracts, meeting records, quotations, and their dates.

Jurisdiction and priorities{{jurisdiction_priorities}}

Country or region, local process, intended timeline, household priorities, and known risk concerns.

Exact prompt

Help me prepare questions about this financial product using only the supplied documents. Explain structure in plain language without recommending the product.

Product documents and quotations:
{{product_documents}}

My stated use case:
{{use_case}}

Jurisdiction and comparison context:
{{comparison_context}}

Instructions:
1. Identify the product type, provider, term, eligibility, access rules, rates or returns, guarantees, security, and governing documents as stated.
2. Extract one-time, recurring, conditional, exit, transaction, advisory, tax-related, and third-party costs, preserving dates and calculation bases.
3. Map conditions that change pricing, access, coverage, repayment, benefits, or loss exposure.
4. Distinguish contractual terms, marketing statements, examples, projections, assumptions, and information missing from the documents.
5. Describe key risks and tradeoffs in neutral language tied to exact clauses or supplied facts.
6. Draft questions for the provider and for an independent licensed adviser, including conflicts, compensation, complaints, and cancellation rights.
7. List calculations, current rates, tax treatment, regulatory status, and personal suitability factors that require external verification.

Return a plain-language term sheet, fee table, condition map, contradiction list, and question set. Do not estimate suitability, future returns, approval likelihood, tax effects, or legal rights.

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Product documents{{product_documents}}

Dated disclosure statements, contracts, fee schedules, quotations, examples, and marketing material.

Stated use case{{use_case}}

The purpose, time horizon, access needs, and constraints you want a professional to consider.

Jurisdiction and comparison context{{comparison_context}}

Country or region, date, alternative products being researched, and known disclosure requirements.