TL;DR: Microsoft 365 Family (one year, six users) is just $99.99 (reg. $129.99) and gives you premium Office apps, 6TB of cloud storage, and a productivity boost you didn’t know you needed.

A universal truth: life gets chaotic. Between work emails, school projects, family calendars, creative side hustles, and about a dozen “urgent” reminders you’ve already snoozed, staying organized can feel like a full-time job. That’s why you might want to consider a Microsoft 365 Family one-year subscription for up to six users. It bundles everything you need to streamline, secure, and seriously upgrade your digital life.

You get premium access to Word, Excel, PowerPoint, Outlook, OneNote, and more—plus 6TB of cloud storage (that’s 1TB each) to stash all your docs, photos, and brilliant late-night ideas. And yes, it works across PC, Mac, iOS, and Android. So, whether your crew is team laptop or team tablet, everyone is covered. Although you only get Publisher and Access for PCs.

Need to collaborate in real-time on a family budget? Planning a vacation with way too many moving parts? Or maybe you’re running a small business from your living room. Microsoft 365 makes it easy to share, edit, and stay on the same page—literally. You’ll also get Microsoft Defender for digital security and Outlook for clutter-free email, calendars, and to-dos.

And here’s some terrific news: it now includes Copilot, Microsoft’s AI-powered assistant that helps you write smarter, organize faster, and get work done without losing your mind.

If you’re not ready to commit to a lifetime license, it’s not a problem. This 1-year deal gives you premium tools without the long-term lock-in. Try it, use it, and decide what works best for your workflow.

Don’t miss a 1-year subscription to Microsoft 365 Family while it’s just $99.99 (reg. $129.99).

Microsoft 365: 1-Year Subscription (Family/Up to 6 Users)
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ARK Invest’s Cathie Wood is predicting that recessionary pressures will soon end, setting the US economy up for a massive economic boom in the second half of 2025.

Wood tells her 1.7 million followers on the social media platform X that the US economy is currently experiencing the final stages of a rolling recession, setting the country up for a bullish phase.

A rolling recession is an economic term used to describe the phenomenon of different sectors of an economy experiencing contractions and recoveries at different times, preventing a full-blown recession.

“In our view, the market today is discounting the last leg of a rolling recession, which will give the Trump administration and the [Jerome] Powell Fed many more degrees of freedom than investors expect, setting up the US economy for a deflationary boom in the second half of this year.”

She also says during a new interview with Pomp Investments founder Anthony Pompliano at the Bitcoin Investor Week in New York that if US Congress adopts an expected tax cut plan, it could help reduce market uncertainty and unleash economic productivity.

“If we said we’re taking your tax rates down, choose a percentage, three percentage points, retroactive if they did this very soon to February 1 or March 1, let’s say, and they finish the negotiation that would take the uncertainty away. That would take that very important uncertainty away. And honestly, I think we will have a booming economy with much lower than expected inflation…

After we’ve been through this rolling recession and now here’s the last leg of it, where housing, autos, capital spending, small businesses were creamed, lower income creamed, finally, high income cracking, we’re ready for a massive productivity increase…

Productivity increases and a rising dollar are two of the biggest antidotes to inflation. And I think we’re going to be shocked at how low inflation goes.”

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NTT DATA, a global digital business and IT services leader, has today launched a new global research report uncovering the use of generative AI (GenAI) in the banking sector worldwide. The report, titled “Intelligent banking in the Age of AI”, has found that despite the growing adoption of GenAI technology in the banking industry, banks and financial institutions are split when it comes to outcome-based strategies – only half of banks (50%) see it as a tool for improving productivity and efficiency. Similarly, half (49%) believe it can be used for reducing operational IT spend. 

Transforming Banking Through GenAI 

GenAI is more disruptive than any previous advance in banking technology. It is less a question of if, but when banks embrace this technology, due to its transformative ability to embed intelligence at every layer of the banking ecosystem, from core banking to front-end systems. GenAI already making waves in the banking industry, with 6 in 10 organizations (58%) already fully embracing its transformative potential, an increase from 2023, when only 45% of organizations had fully embraced GenAI, according to NTT DATA’s research. 

“Generative AI represents a pivotal moment for the banking industry,” said Robb Rasmussen, Head of Global Marketing & Communications, NTT DATA. “While the potential benefits are enormous, the challenges of implementing GenAI are complex and varied, requiring careful navigation and a structured approach. Given the anticipated high spending on GenAI, achieving a return on investment is crucial. Many banks will be expecting GenAI to drive long-term savings by automating IT tasks, improving operational efficiency, and creating competitive advantages, but it’s important to note that achieving meaningful ROI requires a clear strategy, tailored implementation, and robust governance at the same time.” 

Financial constraints increasing pressure on ROI 

ROI has become a top priority for GenAI implementations, yet banking organizations are split in their opinions of which strategies are most important to them. Banks have long struggled with boosting productivity, and GenAI is poised to present a solution to this problem, but only half of banking leaders (50%) see it as a solution to current productivity woes. Cost optimization is another area where banks are split, with just under half (49%) are looking to reduce IT budgets accordingly. 

 This disparity is highlighted on a global scale too – for example, almost 6 in 10 US banks (59%) are keen to reduce IT budgets and almost half (47%) want to cut operations budgets, while only 4 in 10 banks in Europe (43%) have IT budgets front of mind and just over a third (36%) are concerned with operations costs. Meanwhile productivity is the most important factor for European banks (46%), yet the US and APAC are placing even more emphasis on productivity themselves in comparison.  

Key performance indicators (KPIs) that financial institutions are using or planning to use to evaluate the success of its Generative AI initiatives: 

Differing strategies across differing regions 

Strategies for realizing these benefits of GenAI differ vastly among organizations too. While around half of organizations are focusing on collaboration between humans and AI (51%) or a hybrid approach with existing systems (47%), over a quarter (28%) of banks are hoping to fully automate tasks and remove the need for manual input entirely. Fully automating tasks is an area which divides opinions worldwide as well, with a quarter of banks in the UK (25%) and Europe (24%) looking to fully automate the process, while almost a third of banks (32%) in the Americas and 35% of Japanese banks are looking to do the same. 

Robb Rasmussen, Head of Global Marketing & Communications, NTT DATA added: “It is clear that the ability to balance innovation with fiscal responsibility will define success for banks. However, many banks are lacking in maturity when it comes to this technology and are unsure where to start. Partnering with systems integrators can be a good starting point, allowing them to access the latest knowledge while ensuring compliance with industry regulations. By working with specialized providers, banks can ensure that GenAI implementations can deliver the desired ROI, while maintaining robust data protection measures and meeting both internal security standards and regulatory requirements.” 

NTT DATA’s research dives into specific areas of the banking industry, including Payments and Wealth Management, as well as Fraud Prevention. To read the full report, please go to “Intelligent banking in the Age of AI”