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Assuming you're not just talking about Irish names like O'Niel and O'Hare, the rule is that you only use the apostrophe if you specifically want to make something possessive.

For the family name Smith:

If you don't want to make anything possessive and you just want to refer to the family, you call them Smiths without the apostrophe.

If you want to make it possessive for one person, you'd use Smith's.

Whereas if you were talking about multiple people called Smith, you say Smiths'.

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15y ago

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Related Questions

Should a last name have an apostrophe for possessive?

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