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GPT-6.1 Terra costs $1 per million tokens in and $5 out, half of Sol. Its cache bills a write at 1.25 times the input rate and lapses after 30 minutes, so the same AI assistant can cost a quiet shop $20 a month or under $5 depending on one setting. The math for a busy and a quiet shop, the reasoning dial that can mean a 78-second wait, and three questions for your vendor.
Anthropic’s S-1 says it has changed Claude’s usage and rate limits before and may again, that a March 2026 outage came from demand outrunning compute, and that a future shortfall could limit customer access. It also says 5% to 7% of revenue came from customers it later cut off. The five passages that matter to a small business, and four steps to take.
Meta’s new ad terms now start November 20, not October 30. Side by side with today’s version, one sentence is gone: the line calling Meta’s automated features optional. Its AI can now generate your ad, you answer for every word, and Meta’s liability stays capped at what you paid it. Five checks before the date.
The first reader of your books is the buyer’s lender. The sequence that closes a small business sale: provable SDE two years out, the Q3 2026 medians above and below $1 million, broker fees versus listing it yourself, and the Form 8594 allocation that decides what you keep.
Gusto’s payroll data and a New York Fed survey agree: small businesses using AI are hiring more, not less. The gain is biggest in shops under ten people and among owners stretched thinnest, and everyday use counts as much as a big project. What the numbers show, and what they do not.
A mentor is the one outside person you keep. The one randomized trial that measured mentoring, three questions that pick the right person, the free US programs built for owners, and what paid plans cost today.
Anthropic’s Claude Duet chases unpaid invoices and preps payroll for your review. Its help page adds what the launch skipped: no calls or texts, check-ins at set intervals, and no Microsoft 365 yet, despite the logo. What a three-van trades shop can hand it, and what stays with the owner.
AI models helped find two critical flaws in PHP, the language under every WordPress site. The fix ships one layer below WordPress, so your auto-updates cannot deliver it, and 35.8 percent of WordPress sites run PHP versions the project no longer patches. How to check yours in two minutes, and what to ask your host.
Paying a customer for a referral is allowed; paying for a review is not. A referral program in three sentences: what each side gets, when you ask, and when the reward pays, plus the FTC disclosure line, the 2026 Form 1099 threshold, and what the tools cost.
Two people who can call on the same account is a territory problem, whether or not you drew one. Five questions that split accounts fairly, the $63 drive hour, Census tables that count the customers you do not have yet, and three mapping tools with live prices.
