When most people think about their loyalty rewards programs, the first words out of their mouths are about their frequent flyer miles.   In addition to that, families get into tracking their American Express Membership Rewards, point programs through their favorite hotel chains, and even from rental car programs throughout the country.   If you think its hard to manage your 401(k)’s and IRA’s, just ask those who have more than four or five frequent reward programs.   One program I stumbled upon recently through Verizon is something called the ‘smart reward’ program, and here are a few tips to maximize your Verizon points. OK.  Let me give you the scoop.  This could be one of the worst reward programs I have ever covered in my blog.   I love the fact that Verizon puts together some note within the ‘smart rewards’ site letting you know about their best price match guarantee and that other sites don’t always have authentic deals.  Here’s the newsflash.  ...