It does not have the instant gratification of a search ad but it does have the life-time value of sales, ROI, amplification and advocacy from the community.

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The reason why smartphones are subsidized by carriers in return for long-term contracts is that smartphone users are widely recognized as heavy data users and bring a higher life-time value to carriers.

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Marc says most companies are focused on the cost-per-acquisition (CPA) of a customer instead of the life-time-value (LTV) of customers.

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In the year through March, for the first time ever the value of life insurance policies fell.

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Why not give them a way to connect with their groups inside and outside of work to make all of their life easier to manage, leaving more time to focus on value-added tasks at work.

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The value of life insurance policies fell for the first time ever in the year through March.

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According to Glassdoor, employees at MITRE, a not-for-profit organization based in Massachusetts and Virginia, commented on the high value the company places on work-life balance as shown through flexible schedules, generous paid time off and other great perks like an on-site cafeteria and gym.

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What I care about is simplicity in my life, giving more recognition and time to the people in my close networks, and being able to draw more value from my wider networks.

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The rest can usually either be used to buy an annuity (an income for life that will depend on your age, the value of your pension fund, and annuity rates payable at the time) or to provide an income via what is known as 'drawdown'.

BBC: Fergus Muirhead