Jim Kennedy lost his six-figure corporate development job 19 months ago, his house went into foreclosure, and his bankruptcy will be finalized in January. A story that is not uncommon these days. What is unusual about Kennedy is how he has been living since his financial meltdown. He has been supplementing his cost of living with reward points from hotel and airline loyalty programs. From the article: "This week, Kennedy is at the Holiday Inn Express in San Clemente, where he converted his United Airlines miles. He brought down the 7,000-points a night cost to 5,000 by adding $100 for his four-night stay, so it costs him $25 a night. But there’s an added benefit because he can expand his food budget with the free breakfast. It’s also convenient, as he can drive up the 5 Freeway to get his mail at the Mailboxes Plus in Irvine – he has a post office box because he has no address. It’s here he gets his unemployment checks, which he and 147,000 other jobless people in Orange County are using for survival."