Store loyalty programs used to be simple: You’d get a punch card at a local sub shop, buy eight sandwiches and get your ninth for free. It felt like a transparent “thank you” for your business. But ...

David Kindness is a Certified Public Accountant (CPA) and an expert in the fields of financial accounting, corporate and individual tax planning and preparation, and investing and retirement planning.

Polyphonic ringtones should not be mistaken with the so called "True tones" (also known as "Real tones") which are simply audio recordings, typically in a common format such as MP3, AAC, or WMA.