Living It – Loving It

Disintermediation applies to anything and everything….

Movie Rental

This was kind of embarrassing.   Several days ago I was discussing with a friend of mine the cost of movie rental.  We were discussing his renting my favorite movie of all time, Idiocracy, and that he could get it in the Redbox rental place.


He was not familiar with the Redbox and I proudly told him that the movies which I cannot stream online for free I get at Redbox.  He told me he had a better solution.  Indignant, I listened.  He told me he gets all the movies he wants to see at the public library.

Well played, Sir.

Cleaning Products

At $4 per aerosol or spray can, household cleaners are an expensive, sometimes toxic way to acquire household cleaning products.  And I don’t know about you but about half of the spray cans I have ever purchased were rendered useless when the spray nozzle became inoperable.  What a waste.

So why buy these products. Disintermediate.  Make your own.  Here’s how simple my formula is.

1 spray bottle (wash a used one thoroughly)

1 lemon (juiced)

1 tablespoon salt

1 bottle vinegar


Dissolve the salt in water and mix with vinegar and the lemon juice.  This simple mixture cleans and disinfects almost everything, including glass.  For tougher cleaning challenges like soap scum, just sprinkle a little baking soda on the area, spray your cleaning solution, watch it fizz, and wipe it down.  Voila!

There is no hard and fast rule on the mix, as far as I am concerned.  I alter it according to my judgment.

You will be very happy with the results.


Do you have an account at Bank of America or Citibank or JP Morgan Chase?  Disintermediate.  The banks are not connected to your community except to place a branch office and 1800 ATM’s in your town.  Disintermediate by joining a local credit union.  While the credit union for your banking services.  Credit Unions are lower cost alternatives to the vampire banking organizations.  They are more likely to support local projects, businesses and residents.  We harm our interests when we allow the banksters to participate in our economic lives.

By the way, on the topic of banking, I learned from Bernie Sander’s filibuster that many states have caps on interest rates that credit card companies can charge by law.  The cap is as low as 8% is some states.  So why do the most economically disadvantaged have to pay 28% or more?  Because in 1978 a Supreme Court ruling Marquette V. First of Omaha decimated state law by stating that a bank can charge the interest rate allowed by the state in which they are headquartered.  All your credit cards come from banks in North Dakota and Delaware because those states lured banks to get the jobs.  They lured them with state legislation that allowed them to charge loan sharking rates.

Update: 12/16 2:07 PM

Wary Consumers Cautious Of Increased Credit Card Offers

Why, thank you, Amy Lee, for your reportages on this subject.  I think it brings added reinforcement to the central thesis of disintermediation.

Though banks are again offering credit cards to risky borrowers, not everyone is biting.

“I will never, ever have another credit card,” Carole Carroll, a New Yorker in her fifties working in finance, said. “It’s either I have the cash in my hand or I’m moving back in with my mother.”

Carole, and her husband Don, were $88,000 in debt before they entered a debt management program and managed to climb clear. But like millions of Americans with less than stellar borrowing history, the Carrolls are still being targeted by credit card companies.

Credit card offers to risky borrowers are surging, according to a report by the New York Times, which found that HSBC, Citigroup, and Discover all mailed out about ten times as many credit card offers this year compared to last year, while Capital One’s rate rose to 22 million, a fiftyfold increase.

Indeed.  Read the rest at the link below.

Thank you

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