I'm glad you're with us here on the Clark Howard Show where it's all about you and that

quality yours.

I want you to learn ideas so you can keep more of what you make.

Coming up in just a few minutes, new data from the Census Bureau that shows that men

are not earning as much as they were earning inflation adjusted two generations ago.

And coming up yet later, the new iPhone has a new technology in it that's going to save

you money.

That's right, the iPhone may cost a Zillion dollars, but they're leading to lower costs.

I'll tell you how.

There's a hot move now when I go into stores.

Have you noticed how stores have decided they're adopting the whole airline frequent flyer

thing with having their loyalty programs?

And every time you buy something, they want you to put in for the loyalty points.

And it's something that really has taken the quick serve industry by storm.

It's with Panera and then with Chick-fil-A among others putting a lot of stock into their

loyalty programs.

Starbucks is the one that's probably most widely utilized.

But what happens with a retailer and a retailer loyalty program?

If you were somebody who you love Chick-fil-A and you're going to go there, you go to Starbucks

because you want that coffee.

What you're also doing is you're going there instead of a competitor with retail same

idea.

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