Is It Time To Leave Chatgpt?
  
Over the last couple of months, I have been learning a lot about Artificial Intelligence and I have used Chatgpt on numerous occasions. It has never disappointed me.
Recently there have been some concerns expressed about OpenAI’s decision to let the U.S. Department of Defense deploy the company’s AI models in its classified network, and somewhere in excess of 1,500,000 users have left.
Should you find yourself in a position where, for various reasons, you want to leave there are a couple of things to consider. There is an alternative to Chatgpt and it is called Claude. My early experience with it is leaving me impressed. When it comes time to leave Chatgpt there are two things I would recommend.
First, is to use the existing features to be able to download all of your chats so that you have access to all the work you have done with Chatgpt and second, once the download has taken place, be sure to delete all your info.
I came across this excellent article that helps walk you through the process to download and then delete your information. Here is the link:
https://www.forbes.com/sites/barrycollins/2026/03/02/leaving-chatgpt-make-sure-to-do-this-before-you-cancel/
March Foreclosure List
Abbotsford Attched
Abbottsford Detached
Burnaby Attached
Burnaby Detached
Langley Attached
Langley Detached
Maple Ridge, Pitt Meadows Attached
Maple Ridge, Pitt Meadows Detached
Mission Detached
New Westminster Attached
New Westminster Detached
North Vancouver West Vancouver Attached
North Vancouver West Vancouver Detached
Port Coquitlam, Coquitlam, Port Moody Attached
Port Coquitlam, Coquitlam, Port Moody Detached
Richmond Attached
Richmond Detached
Surrey Delta Cloverdale Detached A
Surrey Delta Cloverdale Detached B
Surrey, North Delta, Cloverdale Attached
Tsawwassen, Ladner Attached
Tsawwassen, Ladner Detached
Vancouver East Attached
Vancouver East Detached
Vancouver West Attached
Our March list of Vancouver Lower Mainland properties listed for sale through the foreclosure process has once again been provided by P.A. "Doc" Livingston, PREC.
Feel free to reach out to "Doc" if you would like more information about these properties and contact me if you would like to know how arranging financing for a foreclosure purchase is different than a traditional real estate purchase.
I would like to take this opportunity to thank "Doc" for faithfully providing me with his foreclosure list for all the years that I have been doing this newsletter. "Doc" advised me in January that he is retiring at the end of March this year, so this is his last contribution to my newsletter. "Doc" enjoy your retirement and know that you helped hundreds of families get into their forever homes over the many decades you have been a realtor!!!
The Tax Deductible Mortgage Pan
Almost 40 years ago, a financial planner in Victoria, BC began showing Canadian home owners how to make the interest on their mortgage tax deductible. His name was Fraser Smith and he named the strategy "The Smith Manoeuvre."
It has been challenged and tested by Revenue Canada and it passes the test.
If you make regular monthly contributions to a non RRSP investment portfolio you could use those contributions to make part of the interest on your mortgage tax deductible.
Here is a dumbed down version. Before you contribute to your investment, take the amount of your investment contribution, and apply it to the mortgage on your home, once you do that, borrow the same amount back by way of a secured line of credit, and then invest that money. The amount of interest you pay on the money you borrowed becomes a tax deduction. Interest on money borrowed to invest is a legitimate tax deduction.
Over time you could reap the benefits of thousands of dollars in tax deductions and have a portfolio that grows. Remember, I said this was a dumbed down explanation. The ability to do this with your mortgage requires you to have the right kind of mortgage and that is where I come in to help find the lender with the right product. Feel free to give me a call to discuss the possibilities, I am not a tax accountant, lawyer nor investment advisor but I can help find the right mortgage to use that makes this process simple.
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