Apple today announced Apple Card Family, an innovative new way for people to share their Apple Card, track purchases, manage to spend, and build credit together with their Family Sharing group. Available in the US in May, Apple Card Family allows two people to co-own an Apple Card, and share and merge their credit lines while building credit together equally. Apple Card Family also enables parents to share Apple Card with their children, while offering optional spending limits and controls to help teach smart and safe financial habits. Apple Card Family is designed to help the Family Sharing group achieve a healthier financial life by making it easy to track spending, all on iPhone and with a single monthly bill.
âWe designed Apple Card Family because we saw an opportunity to reinvent how spouses, partners, and the people you trust most share credit cards and build credit together. Thereâs been a lack of transparency and consumer understanding in the way credit scores are calculated when there are two users of the same credit card, since the primary account holder receives the benefit of building a strong credit history while the other does not,â said Jennifer Bailey, Appleâs vice president of Apple Pay. âApple Card Family lets people build their credit history together equally.â
Apple Card is the first credit card designed for iPhone and to help people lead a healthier financial life. Built into the Apple Wallet app on iPhone, Apple Card has transformed the entire credit card experience by simplifying the application process, eliminating all fees,1Â encouraging users to pay less interest, and providing a new level of privacy and security.
Apple Card also offers Daily Cash, which gives up to 3 percent of every purchase as cash on usersâ Apple Cash card each day.2Â And with no credit card number, CVV security code, expiration date, or signature on the card, the titanium Apple Card is more secure than any other physical credit card.
Managing Apple Card Family
Apple Card customers can add up to five people to their Apple Card account by sharing Apple Card with them in Wallet. All users must be part of the same Family Sharing group in order to be invited to Apple Card Family, and be 13 years of age or older.
Apple Card can be shared with any eligible customer who is 18 years or older as a co-owner, providing the opportunity for both to build credit history together, get the flexibility of a combined limit, provide transparency into each otherâs spending, share the responsibility of making payments, and deliver the convenience of a single monthly bill to pay.3
Apple Card can be shared with anyone who is 13 years or older as a participant, so they can learn how to spend independently and responsibly while giving co-owners transparency and features that provide insight into purchases and control over their purchase limit. Participants over the age of 18 can also opt into credit reporting.
All account activity, including positive or negative payment history, will be reported to credit bureaus for participants who opt in to credit reporting as well as all Apple Card co-owners.
Existing Apple Card customers can also merge their Apple Card accounts, giving the flexibility of a higher shared credit limit while keeping the lower APR of the two accounts.3
Co-owners and participants will each receive Daily Cash for their Apple Card purchases.
Apple works with Goldman Sachs as the issuing bank for Apple Card who makes all eligibility and credit decisions as a part of Apple Card Family.
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Starlink has officially launched in Ghana, allowing users to purchase a kit directly from their website for Gh¢5604.00 (hardware and shipping) and Gh¢770.00/month (unlimited internet).
The service aims to provide connectivity to underserved areas, such as remote communities, farms, and offshore rigs, rather than replacing existing urban infrastructure.
Starlink’s presence in Ghana is expected to drive competition, prompting local telcos and ISPs to offer better internet deals, and potentially leading to more accessible and affordable connectivity solutions in the future.
After months of waiting and constantly refreshing the Stalink availability map, they have finally officially commenced operations in Ghana, They sent out emails to all those who signed up for their pre-order when they first made announcements of planning to set up operations in Ghana.
You can now go to their official website to get a kit and ship it directly to your house without going through any third party or middleman.
 The official cost on their website is ¢770.00 a month for internet connectivity, which will be unlimited, and Gh¢5604.00 for Hardware and shipping.Â
For most people, paying ¢770.00 a month for unlimited internet is a really good deal, but they wonât take a step towards getting it because of the cost of the kit. But STARLINK is primarily meant to provide âCONNECTIVITY WHERE YOU LEAST EXPECT ITâ and not to replace Fibre and broadband options in the major cities or become that ubiquitous.
It is not their goal that every household should have a Starlink kit installed. But rather a lot of places where connectivity is & has been a major challenge up until now, get that solution. (ie. Remote areas, hinterlands, farms, on ships & boats, offshore rigs, mines & construction sites, etc)Â
However, they know how good the technology & solution are such that there’s increased demand and people would want to scale it up/utilize it by diversifying into other connectivity solutions; which might be more accessible or affordable for more people.
Starlink, the satellite internet company founded by Elon Musk, has received authorization from Ghanaâs National Communications Authority (NCA) to start operations by the end of August 2024. This approval comes after several months of discussions between the NCA and SpaceX, Starlinkâs parent company, primarily due to licensing and regulatory hurdles.
This milestone is viewed as a major boost for Ghanaâs technological progress, given Starlinkâs reputation for reliability across 102 countries.
Starlink operates using a network of low-Earth-orbit satellites that communicate with one another and with ground stations to provide high-speed, low-latency internet. This technology is well-suited for enhancing connectivity for both individuals and businesses.
Could the arrival of such a major international ISP see the local ISPs rise to the occasion, potentially leading to more innovative solutions and advancements in the sector or, would it simply blow them out of the water?
OpenAI will provide the US AI Safety Institute early access to its upcoming safety test, aiming to collaborate on improving AI evaluation methods.
OpenAI is dedicating at least 20% of its computing resources to safety initiatives, following the dissolution of its Superalignment team, though a release date for the safety test is not yet specified.
In response to recent criticisms, OpenAI has taken steps to enhance transparency, including removing non-disparagement clauses for employees and making efforts to improve internal practices.
OpenAI has announced that it will grant the US AI Safety Institute early access to its upcoming safety test, as detailed in a tweet by OpenAI founder Sam Altman on X.
Altman explained that the aim of this early access is to collaborate on advancing the science of AI evaluations.
In the same post, Altman also emphasised OpenAI’s commitment to dedicating at least 20% of its computing resources to safety initiatives. This commitment was intended to be executed by the now-dissolved Superalignment team, which was co-led by Jan Leike, Head of Alignment, and Ilya Sutskever, co-founder and Chief Scientist of OpenAI. However, a specific release date for the safety test has yet to be announced.
Addressing recent criticisms, Altman suggested that OpenAI has taken meaningful steps to enhance transparency as part of its safety measures.
He noted, âIn May, we eliminated non-disparagement clauses for both current and former employees and removed provisions that allowed OpenAIâthough they were never usedâto cancel vested equity. Weâve made significant efforts to rectify these issues and improve our practices.â
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