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iOS 16's New Apple Pay Option Lets iPhone Users Buy Now and Pay Later: How It Works

iOS 16's New Apple Pay Option Lets iPhone Users Buy Now and Pay Later: How It Works

This story is part of WWDC 2022, CNET's complete coverage from and about Apple's annual developers conference.

What's happening

Apple has announced a new free financing feature in Apple Wallet that lets you pay for purchases over time for free.

Why it matters

As inflation continues to impact households, "buy now, pay later" services have become a popular payment option, and Apple's entry will likely become a major player.

What's next

Apple Pay Later will launch with the release of iOS 16, expected in September 2022.

The upcoming release of iOS 16 for iPhone will make Apple one of the bigger players in the "buy now, pay later" space. BNPL services let you spread the cost of your purchases into multiple payments made over a relatively short period of time, usually for no fees or interest. Apple announced the launch of its own service, Apple Pay Later, at last week's Worldwide Developers Conference

Apple Pay is a part of Apple Wallet, the iPhone's digital wallet app that also provides Apple Card and Apple Cash. Apple Pay allows you to store debit and credit cards and make purchases online or at businesses; Apple Card is a credit account issued by MasterCard and Goldman Sachs that works like a standard digital credit card; and Apple Cash enables peer-to-peer payments.

Apple's foray into free financing with Apple Pay Later comes at a time when many retailers are accepting payments from BNPL apps such as Affirm, Klarna and Afterpay. Most of these apps provide similar short-term interest-free payment plans, while others also provide longer installment plans with variable interest rates.

We'll share everything there is to know about Apple Pay Later in this piece, including how it will work, where it will be accepted and when it will be available. Apple unveiled Pay Later and iOS 16 alongside new versions of its MacBook and iPad. Here's everything Apple announced at WWDC. 

How does Apple Pay Later work?

Apple Pay Later lets you break the cost of purchases into four equal payments that are spread over six weeks. The first payment is due when you make your purchase, and the remaining payments are due every two weeks after that.

Once Apple Pay Later is released, you'll have two options when completing a purchase: Pay in Full and Pay Later. Selecting the latter option will bring up a payment schedule displaying the amount of each of the four payments and when they will be due.

According to Corey Fugman, senior director for Wallet and Apple Pay, who spoke about Wallet during the WWDC keynote address, Apple Pay Later will be available "anywhere that Apple Pay is accepted, in apps or online," indicating that the service may not be available for purchases made in physical stores.

Stores and merchants won't have to implement any changes in order to accept payments through Apple Pay Later. Transactions will occur as they did before -- the only difference will lie in how back-end payments are made.

MasterCard Installments, the credit card company's white-label BNPL service, will provide the merchant payments for Apple Pay Later. Apple and its banking partner Goldman Sachs began plans for Apple Pay Later in July last year, according to Bloomberg.

When can I use Apple Pay Later on my iPhone?

Apple Pay Later will be included with iOS 16, the next planned update of Apple's operating system for iPhone. The beta version of iOS 16 is already available for developers who have an account. In the WWDC keynote, Apple indicated that the first public beta version of iOS 16 will be released sometime in July.

Apple has traditionally released its newest operating systems to the public at the same time as its latest phones, as it did with iPhone 13 and iOS 15 in September last year. The iPhone 14 is expected to come out in September this year, and it's likely that iOS 16 will also be released at or near the same time. 

How is Apple Pay Later different from Apple Card Monthly Installments?

Apple Card Monthly Installments is an Apple program that lets you finance the purchase of certain Apple products when using the Apple Card credit card. The length of the 0% APR period for these purchases depends on the product. Installment plans range from six months to two years.

Apple Pay Later isn't restricted to Apple products, nor does it require the use of the Apple Card. With Apple Pay Later, you'll be able to finance purchases using a debit card, Apple specified, as long as it's connected to Apple Wallet. Also, the interest-free installment period for Apple Pay Later -- six weeks -- is much shorter than the payment plans offered by Apple Card Monthly Installments.

What else is new in Apple Wallet for iPhone?

Another new feature in Apple Wallet announced at WWDC is Apple Pay Order Tracking, which adds the ability for merchants to provide detailed receipts and delivery statuses for purchased products to customers via Apple Wallet. 

Apple also announced expanded support in Apple Wallet for driver's licenses and identification cards. Following IDs from Colorado and Arizona, Apple Wallet expects to add support for 11 more states in the near future.

These driver's licenses can be used at select Transportation Security Agency checkpoints. They can also be shared with other apps that require identification, such as alcohol purchases through Uber Eats.

Apple Wallet is also adding support for sharing keys for locations such as hotels, offices or automobiles. New features will let users share keys with friends or associates using email, text messaging or other messaging apps.

Like Apple Pay Later, the Apple Pay Order Tracking, driver's license and key-sharing features will be made available to the public with the full release of iOS 16, expected in September 2022.

What other online services let you buy now and pay later?

Some existing online payment systems provide "buy now, pay later" short-term financing similar to what Apple Pay Later is offering. PayPal's Pay in 4 program works very much like Apple Pay Later, except that purchases are limited to between $300 and $1,500.

BNPL app Sezzle also uses a system of four payments over six weeks, but permits users to reschedule one payment for up to two weeks later at no cost and postpone further payments for an additional fee.

Other BNPL apps such as Affirm and Klarna offer interest-free installment plans for short periods, or longer installment plans that add a variable interest rate. 

For more coverage of WWDC, learn about the upcoming MacOS Ventura, new fitness and workout features for the Apple Watch and all of the new features announced for Apple Maps.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

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PC running slow? Here's how to speed things up

PC running slow? Here's how to speed things up

Whether you're using your PC to get work done or have fun, a slow computer can make life way more frustrating than it needs to be. Laggy performance speed can render your computer pretty much useless -- especially when you can barely open a window, load a website or even start up your system.

If you've been suffering lately, now's the perfect time to take a few minutes to go through some of the tried-and-true troubleshooting steps. You can make it so much easier to use your PC. You can give yourself a temporary reprieve from saying bad things about your computer under your breath. Better yet, you can do all of it for free. 

I promise it's doable on your own. Well, technically on your own -- I'll walk you through how to fix your computer's sluggish performance by digging into Task Manager, controlling how many apps open at startup and a few other tips and tricks I've learned along the way.

And if you do end up needing to purchase a whole new computer, these are the best desktop PCs for 2022 and the best laptops for 2022.

Task Manager is like a magic crystal ball

Think of Task Manager as a window into your PC's health. The app gives you insight into what's taxing the processor, how much memory something is taking up and even how much network data a program has used. 

An easy way to open Task Manager in Windows 10 is to right-click on the Taskbar and select Task Manager from the list of options. In Windows 11, click on the magnifying glass on the Taskbar and search for Task Manager.

Task Manager's default view doesn't show a lot of information beyond which apps are currently running (handy if you already know if you want to close one out). To view what really matters, click More Details in the bottom left corner.

Use Task Manager to monitor your system. 

Screenshot by Jason Cipriani/CNET

By default, this list is broken down into Apps and Background Processes. It's refreshed constantly, with the various columns constantly updating. My advice is to let Task Manager run for a few minutes and watch it. Watch for apps that shoot up to the top of the list, then disappear a few seconds later. Look for processes that stay at the top of the list with high memory or CPU use. Not sure what a process is? Google its name to find out more. 

To close an app or process that you suspect may be partly responsible for slow performance, click on the listing then click End Task. 

Also read: Want to download Windows 11? You need to do these two things first

Three more common reasons for a slow PC

There are far too many apps and services to create a succinct list of what's likely slowing down a PC, but that doesn't mean there aren't likely culprits. Here are some of the top issues that we all experience on a PC. 

Antivirus scans

After watching your system running slow with Task Manager open, you may have noticed that your antivirus software is routinely near the top of the list. Antivirus software can slow down your system while it's actively scanning your computer for malware and viruses. 

Instead of letting your antivirus program scan whenever it sees fit, schedule it to run at times when you're not likely to be using your PC, such as overnight or during your lunch hour. Changing the schedule for scans will depend on the program you use, but generally, you can open the app and go to the settings pane. 

Startup apps can slow everything down. 

Screenshot by Jason Cipriani/CNET

Too many apps are running at login 

If your PC takes forever to be responsive after you log into your Windows account, then you probably have far too many apps trying to run at startup. You can edit the list of apps and services that begin running when you log in to your computer by opening Task Manager and clicking on the Startup tab. 

Go through the list and remove anything that you don't need to have loaded and ready the moment your PC turns on by clicking the app name, followed by Disable.

That's a whole lot of Chrome in Task Manager. 

Screenshot by Jason Cipriani/CNET

Some web browsers are resource hogs

Your web browser could be the culprit, especially if you've lost count of the number of windows and tabs you have open. Each browser window and tab takes up memory and processing power and, over time, that will begin to slow down your PC. 

You can view a breakdown of extensions and tabs that could be to blame in Task Manager by clicking on the arrow next to your browser's name. Alternatively, if you use Chrome, it has a built-in task manager of its own. Launch it by pressing Shift+Esc while using Chrome, or click on the menu button > More Tools > Task manager. 

If you find that your browser is often causing your PC to slow to a crawl, try a different browser or keep an eye on how many tabs or windows you have open at a given time. 

Pausing OneDrive sync can speed up your PC.

Jason Cipriani/CNET

Battle-tested solutions

There's a wide range of methods available for troubleshooting and speeding up your PC. Below are some steps to take that should, at the very least, temporarily speed up your slow computer:

• Close running apps when you're done. Make sure they're not running in the notification tray (next to the volume and Wi-Fi indicators). When you close some apps, such as Slack, they keep running in the background. Usually, you can completely close apps that keep running with a right-click on the app icon and select quit or exit. 

• Pause OneDrive syncing. This is something even Microsoft admits can slow down your computer. Pause OneDrive by clicking on the OneDrive icon in the notification tray, select More and then Pause syncing.

• Check available storage space and hard drive health. If your hard drive or SSD is running out of space or is getting old, it could be failing. I use CrystalDisk Info (Standard Edition) to get basic insights into my drives. It's a free app that quickly scans your drives and tells you their current health status. If you aren't comfortable testing your hard drive, take your computer to a technician who can properly diagnose the issue and, if required, upgrade your storage.

• Regularly turn off your computer. Don't just restart it, but completely power it off and walk away for a few minutes. This gives your computer a chance to clear out memory and start fresh the next time it's turned on. 

If none of the above suggestions speeds up your computer to a level that you're happy with, you can try reducing animations, changing themes and toggling other Windows 10-specific settings. If you're trying to get remote help, make sure you know the best way to take screenshots on Windows 10. If you're more of an Apple household, you're in luck: We have recommendations for speeding up a slow Mac, too. 

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The Productivity Hack That's Taking Over TikTok

The Productivity Hack That's Taking Over TikTok

If you've spent any time on TikTok lately, chances are you've scrolled past a livestream of a single person, head down, silently working. They may have a sign indicating their schedule and goals, but for the most part there's no fanfare. There are no attention-grabbing alerts or noises. 

It's dead quiet, save for the scratching of pens or clacking of keys. Most people will keep on scrolling, because it doesn't scratch their neurological itch for content.  But for some people, this silent space is a deeply necessary tool that helps them get through their workday. 

It's all thanks to the phenomenon of body doubling, and it's part of a productivity wave that's beginning to wash over online spaces.

What is body doubling?

Body doubling is the practice of actively and intentionally completing tasks in the presence of someone else, and it makes a tangible difference for those who struggle to retain focus. The double doesn't have to be doing the same task as you, they just need to be present (whether in person or via a livestream screen) and focusing on a project for the same amount of time. 

Body doubling has also long since had a reputation as a recommended self-help strategy for neurodivergent people, especially those with attention deficit hyperactivity disorder. 

When everyone worked in an office, there was a degree of accountability present in just having your colleagues beside you. It's much harder to get away with scrolling on your phone for 10 minutes if your deskmate can practically see over your shoulder.

But with remote work now more common, people are stuck operating solo, without company to keep them on task. 

For Emily Kula, a content creator who was recently diagnosed with ADHD, the practice of body doubling has made a world of difference. 

"It helps me stay grounded and focused," said Kula. "If left to my own devices I'd keep finding other distractions or remembering other tasks I need to complete … but for some reason just having someone else there helps keep me on track, like a physical human sticky note."

"Regardless of if we are working towards the same goal or not, it's nice having someone present to hold me accountable, even just by being within proximity of me."

While having someone nearby doesn't sound like it would make much difference, for some it has a substantial impact on productivity and functionality. 

The reasoning is twofold. First, there's a degree of accountability to the other person's time. They're working with you, and just like when you've booked an appointment, you feel a responsibility to make sure you're not wasting this person's time. 

Second, it gives you a model, a living reminder of what you're meant to be doing. If you're body doubling to get study done, seeing another person also study will serve as a reminder. Mirroring their actions keeps you on task. 

@dr.kojosarfo A unique way to potentially increase your productivity for individuals w/ ADHD! 💪 #adhd#adhdtips#adhdinwomen#bodydouble♬ Honobono suspicious comedy comical fagott - poco poco music

The jury is still out on the cognitive reasoning behind why it works so well -- some say it's behavioral modeling, others say it's all down to good collaborative vibes. Others even suggest mirror neurons could be responsible. Social learning theory suggests that observation and imitation are some of the most powerful learning tools at our disposal. 

But regardless of the neurological trigger, what's shown online is that for many people, it just works. And it's also not limited to work or study. The same can also be said for cleaning, self care and even just general day-to-day life. 

"Part of the power is in seeing other people doing all sorts of various tasks and allowing it to be normalized -- that the everyday ins and outs are not glamorous," said Anna Pugh, co-founder of body doubling and monotasking website Spacetime Monotasking. "We have this storytelling that we're trudging through, doing all of these things that nobody else has to do, but [body doubling] helps to dissolve this illusion of separateness."

Pugh's co-founder Marisa Mayes echoed the sentiment, saying, "We have people who use it to clean, to make lunch for themselves and take a shower. … It's amazing to see what people are using it for and what they need help with."

Spacetime and its origins

Pugh started Spacetime Monotasking in early 2021, after a series of videos she'd made on monotasking and productivity suddenly surged in popularity. 

Monotasking, which refers to the practice of staying present on one task or project for a specific period of time, is often found hand-in-hand with body doubling as both participants disregard outside distraction for the designated time period.

"When I started talking about it, the conversation that was happening in my comment section was a lot of people saying, 'Oh, this is body doubling,' she said. "I wasn't familiar with that term specifically, but then when I looked into it I thought, I've been doing this my whole life in order to get by … And so I started doing some live body doubling sessions.".

@annasinwonderland Tuesday with @Spacetime Monotasking! #monotask#monotasking#mindful#mindfulness#adhd#adhdtiktok#bodydouble#gentleproductivity#mindfulnesspractice#entrepreneur#entrepreneurship♬ Right Down the Line - Gerry Rafferty

From there, Mayes joined the team, and the livestreamed sessions turned into a fully fledged website, which seeks to provide a space for people to work alongside each other, taking one or two hours out of each day to participate in a community-driven flow or focus session.

The concept is simple: Over Zoom, users can provide body doubles for each other without the awkwardness of asking friends or colleagues to help, and without the distraction of wanting to chat about miscellaneous things.

Pugh detailed the process, explaining, "We usually open it up about five minutes before the beginning of the hour, and then we start the session about five minutes into the hour. So there's about a 10-minute window where you can join, you can connect with people, you can share your intentions for the hour, and the goal is to get clarity around where you're headed. … And then we go on mute."

With forced mute, nobody can be distracted by the clanging of a dropped item, or the barking of a disgruntled dog. They are simply there to be present with their fellow body doublers, working toward separate goals but with a common focus.

"The accountability of the group is enough for a lot of people," Pugh said. 

"We hear this feedback often: People will think, 'There's 10 minutes left in the session, I could just bounce right now, but this task I'm working on just needs a little bit more,' and as you go to click the leave button you see everybody else is still working and you're like, 'I can stick it out for 10 more minutes.'"

It's not a walk in the park

Committing to body doubling isn't as easy as you might think. The same room part is doable, but staying on task, without chatter, without questions, without distraction? It doesn't come naturally to everyone.

"We get people who try it out who'd never come back, because maybe it's not for them or it's also really hard to do – that's the thing that a lot of people don't understand, is that it's hard work to show up and to stay with something," said Pugh. 

This is even more prevalent in people experiencing brain fog after contracting COVID-19. In these cases, researchers believe brain fog can be attributed to inflammation in the brain, which leads to lessened concentration, inability to focus and weakened memory function. 

For people who had difficulty regulating their time prior to contracting the virus, it adds a whole new barrier to functionality. Those who haven't experienced it before have to adapt to entirely new methods of work.

"I think it's a big mindset shift because we're so used to bouncing from thing to thing and feeling busy," said Pugh. "But not actually feeling productive and not making true progress on things."

Standard productivity vs. gentle productivity

With hustle culture and a push to always be grinding, standard productivity models tend to skew to the perspective that if you're not succeeding, you need to try harder. Rigorous time management schemes and productivity hacks dominate social media sites like Pinterest, with the underpinning "motivational" message often making readers feel guilty for not pushing harder. 

Some lucky people may derive all the motivation they need from hustle culture without it affecting their health. For others, however, it can very quickly lead to burnout, exhaustion and toxicity. 

Erin Griffith of The New York Times spoke of toxic hustle culture leading to the idea of "toil glamour," where it's not enough to push yourself to the limits, but you also have to outwardly profess to love doing so. And it's not sustainable for most people.

"On TikTok specifically, it's hard to get people's attention with, 'Hey, let's be nicer to ourselves about productivity, and be gentle, and not be assholes to ourselves as we're talking about how much we're getting done every day'," said Mayes. 

It's all part of the growing gentle productivity movement. Characterized by an examination of goals, intentions and capacity, the movement seeks to release some of the pressures we've placed on ourselves as a result of hustle culture.

Body doubling and monotasking are only the tip of the iceberg when it comes to gentle productivity methods on TikTok. In rebellion to the toxicity of hustle culture, the wider gentle productivity movement has found a welcoming home on the platform, with 1.4 million views under the #gentleproductivity hashtag. 

@annasinwonderland I'm trying to help myself move away from isolation, so my current bar is to leave the house at least once a day 😌 #gentleproductivity#selfcompassion#selfacceptance#creativeprocess#mindfulness#slowdown#productivity#healingtiktok#healing @annasinwonderland ♬ original sound - shekinah

It's not about allowing things to fall by the wayside in the interest of self-reward -- it's about consideration of what you need in order to get tasks done without causing distress or lack of functionality. Setting reasonable and flexible goals and expectations of yourself is paramount, which runs counter to the 'aim high' hustle mentality. 

Instead of routinely setting the bar out of reach, gentle productivity suggests relying on goals and strategies that are less hustle-focused, and trusting ourselves to get the job done regardless.

"We're going the other direction and saying it's actually those little moments of trusting yourself that really make a difference," Pugh said.

After two years of pandemic-related working changes and disruption, it's all the more important to develop an awareness of how your working environment and context may require tweaking in order to avoid burnout. 

According to the World Health Organization, "Burnout is a syndrome conceptualized as resulting from chronic workplace stress that has not been successfully managed." This is further characterized by feelings of energy depletion and exhaustion, increased mental distance from work and reduced professional efficacy.

By focusing on gentle productivity tools like body doubling and monotasking, the goal is to address burnout with preventative measures as opposed to remedial action. Instead of taking a vacation when your burnout reaches its peak, advocates suggest reframing your working style to incorporate these gentle techniques.

"We have a few business owners who are offering it as a resource to their employees and covering the cost of their membership," said Pugh. "I think about this for myself: If I had access to something like this, it probably would have reduced a lot of the friction on my inability to follow through, on my inability to stay focused. 

"I would have been a better employee if I had access to something like this."

Finding space and time

If it sounds a little counterintuitive to use a social media platform designed for 15-second sound bites to keep focused, that's understandable. But the value of body doubling sits comfortably in the extended livestreams, which have the capacity to break even the most hyperfocused doomscroll. 

In livestreams and Zoom sessions around the world, people are reconnecting by sharing that same space, focusing together despite working apart. Not only is the community growing, but the gentle productivity ethos is gaining traction all over the internet.

So if you're finding it hard to focus on tasks or feel isolated after working remotely over the course of the pandemic, perhaps body doubling could be a good starting point. 

It may not be as glamorous as the "work all day, hustle all night" culture, but practicing gentle productivity and body doubling is much kinder than forcing your mind and body into a lifestyle that doesn't work for you. In the end, that's all we can really ask for.

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Picasso's heirs are selling NFTs of an unseen piece from the legendary artist

Picasso's heirs are selling NFTs of an unseen piece from the legendary artist

A never-before-seen Picasso work could belong to you. And 1,009 others.

The prolific abstract artist, who died in 1973, at one point fashioned a ceramic bowl that his family would eventually keep as an heirloom. His granddaughter and great-grandson, Marina and Florian Picasso, are selling just over 1,000 images of the bowl as NFTs, the Associated Press reported. 

NFTs, or nonfungible tokens , are unique identifiers tied to digital assets like images, videos or even memes. If you buy an NFT, the token serves as proof that you own the digital asset. As with cryptocurrency, your ownership is recorded in the blockchain.

The Picasso heirs haven't shown the world the entirety of the roughly pizza-sized bowl, which Marian Picasso dates back to 1958. Rather, in photos for the AP, they tease the yellow, green and gray smudges that coat the piece in signature Picasso fashion.

"It's a work that represents a face, and it's very expressive," Marina Picasso told the AP. "It's joyful, happy. It represents life. ... It's one of those objects that have been part of our life, our intimate lives — my life with my children."

NFT services Origin Protocol and Nifty Gateway will host the sale, which begins Friday. Sotheby's will auction off the physical bowl in March.

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Older people are increasingly likely to own a smartphone, Pew finds

Older people are increasingly likely to own a smartphone, Pew finds

There's a well-worn cliché that older people only use flip phones but three in five people over 65 in the US now own smartphones, according to new research. 

A report on smartphone and broadband use by Pew Research published on Thursday says the number of people 65 and older who have a smartphone has increased from 53% to 61% in the past two years. The number is even higher in people 65 to 74 at 71%, but that share falls to 43% in those older than that. 

Meanwhile, broadband use is also high in the over 65s, with 64% having a high-speed connection at home.   

Even though smartphones are becoming more common in older adults, they're still far less likely to own one than than younger people. Pew notes that 95% of adults under 49 now own an internet-capable phone, while 15% of all adults say they don't have a home broadband connection at all and are "smartphone-only."

While the study says that high-speed internet use has slightly increased overall, it says that about a quarter of the population does not have a broadband internet connection at home.

These findings come from a nationally representative survey of 1,502 US adults conducted via telephone from Jan. 25 to Feb. 8 this year.  

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Thailand Outlawing Crypto Payments. This Week's Top Bitcoin and Crypto News

Thailand Outlawing Crypto Payments. This Week's Top Bitcoin and Crypto News

Welcome to Nonfungible Tidbits, a weekly roundup of news in crypto, NFTs and their related realms.

Our lead story this week is Thailand's upcoming ban on crypto payments for goods and services. We'll also cover Jerome Powell's remarks on crypto laws, a new debit card from Robinhood, NFL blockchain sponsorships and recent trademarks filed by Meta regarding crypto. 

Stay tuned for more next week.

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Thailand bans crypto payments for goods and services

Getty/Lambert

Thailand's securities regulator announced that crypto payments for goods and services will be outlawed starting April 1. The ban is intended to fend off financial instability, according to the country's Securities and Exchange Commission. The risk of cyber theft was cited as another concern.

The barring of crypto payments comes when cryptocurrency ownership in Thailand is high. Over 20% of the population ages 16 to 64 owns cryptocurrency, according to the Bangkok Post. Though crypto payments will be illegal, cryptocurrency investments are still allowed. 

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Fed Reserve Chairman says crypto needs new rules

Getty

During a banking panel on Wednesday, Federal Reserve Chairman Jerome Powell raised concerns about the risks associated with cryptocurrency, noting more US regulation will likely be required. "Our existing regulatory frameworks were not built with a digital world in mind. Stablecoins, central bank digital currencies, and digital finance more generally, will require changes to existing laws and regulation or even entirely new rules and frameworks," Powell said.

Powell's remarks come after President Biden's executive order earlier this month, which directed federal agencies to come up with policy ideas for the cryptocurrency industry and look into the possibility of a US central bank digital currency. 

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Robinhood unveils new debit card with crypto rewards

Getty

Robinhood announced the launch of a new debit card that allows users to earn crypto and stock rewards. Cardholders can round up purchases and invest the difference, aka "spare change," in crypto or stock, and Robinhood will offer a 10% to 100% bonus on rewards earned at the end of each week (this bonus is capped at $10 per week). This card will replace its existing crypto debit card and currently has a waitlist.

Robinhood made headlines last year during the GameStop stock frenzy, which created steep dips and rises in the stock price, and cost hedge funds billions. You can read about the GameStop stock saga here.

Read more about Robinhood's debit card here . 

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NFL says limited blockchain sponsorships OK for teams 

Getty

The National Football League issued a memo this week allowing NFL teams to accept limited blockchain sponsorships. The sponsorships, which are subject to NFL approval, may last no longer than three years and stadium signage is prohibited. Restrictions for cryptocurrency and fan tokens will remain in place. The memo also noted that teams may accept NFT-related sponsorships, also subject to NFL approval. 

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Meta (Facebook) files trademarks for crypto exchanges, tokens and wallets

James Martin/CNET

This week Meta, the recently renamed parent company of Facebook, filed trademarks covering cryptocurrency exchanges, tokens and wallets. Meta CEO Mark Zuckerberg announced last week that NFTs would be coming to Instagram, another social media platform owned by the multinational technology conglomerate. 

Meta has held digital currency aspirations for some time. The company attempted to launch its own stablecoin cryptocurrency called diem, but abandoned its plans and sold off the remaining assets earlier this year. The new trademarks suggest Meta may be taking another shot at creating cryptocurrency products.

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Thanks for reading. We'll be back with plenty more next week. In the meantime, check out this story from Queenie Wong on shopping in the Metaverse. 

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How to fight depression and anxiety during the coronavirus pandemic

How to fight depression and anxiety during the coronavirus pandemic

For the most up-to-date news and information about the coronavirus pandemic, visit the

WHO

and

CDC

websites.

In a study from the Kaiser Family Foundation published April 21, close to have of the people polled said that their worries and stress about the coronavirus pandemic has negatively impacted their mental health. Even if you didn't already deal with anxiety and/or depression, the stress of living your day-to-day life during a pandemic is likely wearing on you now.

Haley Neidich, a licensed psychotherapist, tells CNET that it's completely normal to experience fear and anxiety right now.  It is perfectly okay to feel whatever you are feeling during this time, but there are things you can do to calm your mind and ease stress.

"My biggest concern about the panic is the stress that it causes for each individual," Neidich says, noting that when panic occurs, events are canceled and shelves are cleared out of necessary items which only further increases stress. "Stress and panic begets stress and panic," she continues. "Stress weakens our immune systems, making us more susceptible to illness, which is the exact opposite of what we need right now."

If you're struggling with coronavirus anxiety, fear or feelings of helplessness, the tips below can help keep your spirits up. If you notice that stress is getting in the way of being able to work, take care of your family or do basic daily activities (like cook a meal or take a shower), you should seek professional help. 

Read more:  The best meditation app to help you destress

1. Limit the amount of information you consume

Limiting your time on social media is one of the best ways to keep coronavirus anxiety from spiraling. 

Angela Lang/CNET

Neidich recommends setting a limit of 30 minutes for news and social media combined each day, as well as challenging yourself to take two full days each week with no news or social media. 

Even if you don't go on your devices explicitly to check coronavirus news, during this time, you'll be bombarded -- so taking time off is an easy way to soothe anxiety. Setting Screen Time controls on iOS or Focus Mode controls on Android can help you restrict your overall screen time or the way you interact with certain apps.

2. Focus on the things you can control

Truthfully, there's not much you can do about what's happening around you. You can only take care of yourself, so that's what you should focus on, Neidich says. Follow the advice of the major health agencies monitoring and fighting coronavirus in the US -- the CDC and the WHO. 

• Wash your hands often (and sanitize them when you don't have soap and water)
• Stay away from people who are sick
• Cover your mouth when you cough and your nose when you sneeze (ideally with a tissue that you can throw away)
• Avoid touching your face whenever possible
• Leave the face masks for medical professionals, caretakers and people with compromised immune systems
• Avoid nonessential travel (locally, domestically and internationally)
• Keep your immune system strong by eating a healthy diet, getting enough sleep and managing stress

"There is so much that we don't have control over in life and COVID-19 is no different," she says. "I invite people in this situation to focus on what they are able to control and to make sure they have a loved one or a counselor to confide in about their emotional experience." 

3. Stay busy with other things

This is a classic tactic for keeping anxiety under control. While you should definitely honor your feelings (more on that in the next tip), try not to allow your thoughts to spiral out of control. Focus on your daily obligations and add in fun activities to your days to keep anxiety to a minimum, Neidich says. Here are a few examples of simple, distracting activities you can try:

• Solve a puzzle or play a board game with your family
• Draw, paint, knit or do something else creative
• Try to bake a masterpiece dessert with ingredients you already have in your kitchen
• Read your favorite novel or watch your favorite movie
• Take a nap
• Call someone you love and talk about things other than the coronavirus

4. Set aside time to worry

Writing down your thoughts about coronavirus can help you work through them.

Getty Images

Allow yourself time to work through your thoughts about coronavirus. If you ignore them, they'll continue to persist, Neidich says. She recommends journaling by hand on how you feel about COVID-19. Grab a piece of paper and a pen, set a timer and just allow the words to flow onto paper. You don't have to keep the paper when you're done -- throwing it out can be cathartic and make it feel like you're emptying your mind of worries.

Set a timer for 3 minutes for worry journaling, Neidich says. "You will find that you'll run out of worries before the timer is up. Once this is complete, shift your attention to self-care and keep your mind busy."

5. Vent to a friend who won't judge you

If you're more of a talker than a writer, Neidich says it can help to confide in a friend about how you're feeling. Talk to someone who won't judge you for the way you feel, but try to avoid talking to someone who will fuel your anxiety even further. The key, Neidich says, is choosing someone who understands how you feel but won't perpetuate the fear you see online. 

You should also first ask whoever you speak to if it's okay to share your fears with them. Many of us are coping with the stress of what is going on and it's only fair to ask someone if they are willing and able to listen before dropping your stress on them.

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.

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Update your iPhone: Apple releases security patch for an active exploit

Update your iPhone: Apple releases security patch for an active exploit

Apple just released an update for iOS and iPadOS 15.0.2, which fixes a security bug on Apple devices. Notably, Apple says that the bug "may have been actively exploited," which means you should update your device right now.

Monday's update fixes a memory corruption issue that might have allowed some apps to "execute arbitrary code with kernel privileges," according to Apple's support page. Translation? Hackers could use the vulnerability to take over your iPhone or iPad. Updating your device should close the vulnerability.

This is Apple's second security update in a month, following September's Pegasus spyware-related update. 

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Huawei employees hit with US visa restrictions

Huawei employees hit with US visa restrictions

The Trump administration has announced US visa restrictions on Huawei workers such as the refusal or revocation of a visa. The rules will be imposed on those employees of the Chinese tech giant "that provide material support to regimes engaging in human rights violations and abuses globally," Secretary of State Mike Pompeo told journalists Wednesday.

"The state department will impose visa restrictions on certain employees of Chinese technology companies like Huawei," he said. 

Pompeo called Huawei "an arm of the CCP's surveillance state that censors political dissidents and enables mass internment camps in Xinjiang and the indentured servitude of its population." Any carriers worldwide that use Huawei's equipment "are doing business with human rights abusers," Pompeo added.

The decision relies on Section 212(a)(3)(C) of the Immigration and Nationality Act, which says visitors are inadmissible to the US if the Secretary of State has reason to believe their entry "would have potentially serious adverse foreign policy consequences for the United States."

Huawei didn't immediately respond to a request for comment.

Read more: Huawei ban timeline: Trump administration says company is backed by Chinese military

Speaking on the UK's decision earlier this week to ban Huawei from its 5G networks, Pompeo said it wasn't influenced by US sanctions. "They did this because their security teams came to the same conclusion that ours have ... that this information that transits across these untrusted networks that are of Chinese origin will almost certainly end up in the hands of the Chinese Communist Party."

He also reportedly said plans are being finalized for combating alleged data theft by TikTok, a Chinese video social media app.

"We hope to have a set of decisions shortly," he said. "Whether it's TikTok or any of the other Chinese communications platforms, apps, infrastructure, this administration has taken seriously the requirement to protect the American people from having their information end up in the hands of the Chinese Communist Party."

TikTok responded by saying there's "a huge amount of misinformation on TikTok out there," adding its CEO and chief information security officer are US citizens who it says have "decades of US military and law enforcement experience."

"TikTok US user data is stored in the US and Singapore, with strict controls on employee access," a spokesperson said in an emailed statement.

Last month, the Trump administration announced its finding that Huawei is backed by the Chinese military. The Pentagon sent a document to Congress containing the names of 20 Chinese companies that it found to be backed by the People's Liberation Army, including Huawei.

Huawei was blacklisted by the US in May 2019 when it was added to the country's "entity list" (PDF). Trump at the same time signed an executive order essentially banning the company in light of national security concerns that Huawei had close ties with the Chinese government. Huawei has repeatedly denied that charge.

Read more:  The best 5G phones of 2020

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New Windows 10 May 2021 update is here: How to download and everything else to know

New Windows 10 May 2021 update is here: How to download and everything else to know

The Windows 10 May 2021 Update (also known as version 21H1) started rolling out to compatible devices last Tuesday, Microsoft said in a blog post. The operating system update is the latest since the October 2020 update, and includes a few new features like Windows Hello multicamera support and security fixes. (If you're running Windows 7 ($5 at Target), you can still download Windows 10 free to get the May 2021 update and avoid security issues.)

While there are a few useful new features, it seems that Microsoft is using this smaller update cycle to prepare for a larger Windows 10 UI update, reportedly code-named Sun Valley, that will be part of Microsoft's renewed focus on Windows 10 that executives mentioned last year. On Wednesday at the Microsoft Build developer's conference, Microsoft CEO Satya Nadella teased the next update, saying the company is planning "one of the most significant updates of Windows of the past decade," and that Microsoft plans to unveil the new version "very soon."

We won't know exactly what that update includes until it's formally revealed, but we've collected some rumors below. 

Read more: The best antivirus protection of 2021 for Windows 10 

Here's what to know about Windows 10 version 21H1, and what it could mean for the future of the OS. 

What is Windows 10 version 21H1?

Windows 10 version 21H1 is Microsoft's latest update to the OS, and started rolling out on May 18. It's also called the Windows 10 May 2021 update. 

Usually, Microsoft releases a larger feature update in the spring and a smaller one in the fall. But version 21H1, though a spring update, is a more minor update rather than an overhaul. 

Read more: Windows 10 tips: Secret Start menu, taking screenshots and more

What new features does the Windows 10 May 2021 update include?

According to a February Microsoft blog post, new Windows 10 features include:

• Multicamera support for Windows Hello, allowing users to choose an external camera when using high-end displays with integrated cameras.
• Improvements to Windows Defender Application Guard, including optimizing document opening scenario times.
• Improvements to Windows Management Instrumentation (WMI) Group Policy Service (GPSVC) updating, to support remote work. 

"The features we are releasing in this update are focused on the core experiences that customers have told us they're relying on most right now," the post said. "So, we optimized this release to support our customers' most pressing needs." 

According to Digital Trends, the update also includes new icons, updated settings pages and some tweaks to Cortana and the search box experience. 

How can I download the Windows 10 May 2021 update?

The May 2021 update began rolling out on May 18 to select devices, starting with those running Windows 10 version 2004 or later. Not all devices will be offered the update right away, so try to be patient until it reaches yours. There also may be some compatibility issues, according to Microsoft's blog post -- if that happens, Microsoft has a safeguard hold in place and will not offer you the update until the team is confident that you'll have a good update experience.

When the May 2021 update is available to you, you'll be able to download it by going to Settings > Update & Security > Windows Update, and clicking Check for Updates. If available, you'll see Feature update to Windows 10, version 21H1. Click Download and install. 

This marks the first time an H1 (first half of the calendar year) feature update is being delivered using Microsoft's servicing technology. That means it'll arrive the same way that monthly Windows 10 updates do. It's also the same way the October 2020 update was released. If you're already running either Windows 10 version 2004 or version 20H2, it'll be a fast installation process to get the newest update.

What's this bigger Windows 10 update that could be coming next? 

On an October 2020 earnings call, Nadella said that Microsoft is "doubling down" on Windows and PCs, and will continue to innovate. 

This could take the form of a major OS update for Windows 10 later this year that would bring a major design refresh to the UI, according to a report from Windows Central. The update, reportedly code-named Sun Valley, could bring a redesigned Start menu, Action Center and File Explorer, with a more modern look and new features. Sun Valley is expected to be released around the 2021 holiday season, Windows Central says, but that could change. 

Again, at the Microsoft Build conference on May 25, Nadella teased the next Windows 10 update, saying the company is planning "one of the most significant updates of Windows of the past decade," and that Microsoft plans to unveil the new version "very soon."

Another factor: Microsoft said that its Windows 10X OS designed for dual-screen devices like the Surface Duo and the Surface Neo will not come to market this year, as Microsoft originally intended. Instead, Microsoft will build parts of that technology into other parts of Windows and products from the company, the May 18 blog post said.

For more, check out the best three new features in the Windows 10 October 2020 update and six simple security changes all Windows 10 users need to make. 

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