Car Trips and Character Judgments

For most of the country, the trees haven’t had leaves for months, the old snow is black and dirty, the grass is dead and, I don’t know about you, but I am really tired of freezing my bumper off!

But, the light at the end of a very long tunnel of hope is in sight. The days are getting a little longer, football season is over, and I think the best way to get to the finish line of a long winter is to start making plans for the warm, long, sunny days ahead.

I haven’t really been a “ROAD TRIP!!!” kinda gal since before my children learned how to talk. But, now that they are grown and have other people with whom to share every single thing that comes to their mind, I am seriously reconsidering the concept.

It seems clear to me that the two most important decisions to be made about a long car ride are 1. what you will listen to while driving, and 2. what snacks to take along.  I’ve inadvertently become fascinated with people’s choices about these two things, and have decided that a lot can be deduced about a person based on their answers. So began my complex, scientifically-sound study.

I asked my husband, mom, son, daughter, ex-husband, best friend, business partner and a random LinkedIn connection: if they could only choose ONE cd and ONE snack for a long car trip, what would they be? A few of the answers were predictable, some were surprising, and others were flat-out disturbing.

My random LinkedIn connection said he would listen to a biography of the life of Winston Churchill. I don’t even think we got to the snack part because, nothing worth eating pairs well with that answer.

My mom’s answers were “Sirius radio and trail mix.” I didn’t realize she had such severe commitment issues. I pointed out to her that she had kind of missed the point of the exercise. She said that if she were with me, she would listen to anything I chose. So, I am assigning her the podcast “My Dad Wrote A Porno.” If you haven’t heard it, it is hysterically disturbing and entertaining. A guy and his two besties read aloud a chapter at a time of the cringe-worthy, pornographic book his father wrote. It is lol funny in a skeezy way—Enjoy! You’re welcome.

Ironically, my ex chose the soundtrack from Purple Rain, which I love. But, his answer brought me back to the summer of ‘84 and a college road-trip…a 20+ hour road trip! Just prior to the trip, we had seen Purple Rain in the movie theater and  immediately purchased the soundtrack cassette tape—dating myself, yes I know.

Anyhoo, I loved this tape! We listened to it over and over, mile after mile. After about 10 hours, he pulled it out of the tape deck and held it out of the sunroof, teasing that he was going to drop it so he did not have to listen to it anymore. I told him his short little life would be over if he did and, from the corner of my eye saw that the cassette had been unwinding down the highway and the tape was trailing and flapping behind us like a sad, black ribbon of loss. So, no way does he get to choose Purple Rain! He owes me Purple Rain!

My husband’s answers were the most disturbing of all. He said Les Mis and…wait for it…you ready?…dehydrated apples. WTF? I mean, I love Les Mis, but what kind of monster would choose dehydrated apples from all the snack choices in the world? I am sad to admit that we have had a serious setback in our relationship, but are seeing a therapist twice a week and trying to somehow move forward.

As part of our therapy, we’re going to take a road trip together. He can bring Les Mis and I have chosen a 70’s mix with a little Run DMC, Salt-n-Pepa, Sugarhill Gang, Earth, Wind & Fire, Tone Loc, and Midnight Star. Ooooo, I am gonna be singing and jumping around like one of those crazy older ladies at a Bar Mitzvah when she hears her favorite song.

We will NOT be bringing dehydrated apples. We will have kettle corn and crunchy cheetohs like normal people!

What would you choose? Let us know in the comments section below.





Important Disclosures and Requirements

Federal ESIGN Disclosure and Consent 

 Electronic Consent:  Consent to Receive Information Electronically 

The Electronic Signatures in Global and National Commerce Act requires users of this Site who submit a Contact Form (“you” or “your”) consent to receive certain disclosures electronically. Please read this disclosure and consent carefully and retain a copy of this document for your records. 


Some communications with and disclosures by Yield Solutions Group, LLC dba (“” or “us” or “we”) on its behalf and on behalf of participating banks, finance companies, and credit unions (hereinafter called “Lenders”) are conducted electronically. In order to access, receive and retain required notices and your documents, including, any notices and disclosures required by state or federal law, such as our Privacy Noticeloan documents and disclosures that we provide to you on behalf of any Lenderand any other transaction notices and information from us (collectively, “Documents”) electronically, you must satisfy the minimum system requirements outlined below. However, if you wish to obtain a paper copy of any Documents that RefiJet provides you in connection with your credit inquiry and any subsequent application to our Lenders, you may contact Yield Solutions Group, LLC (dba in writing at 5775 DTC Blvd Suite 400, Greenwood Village, CO 80111 or by email at We currently do not charge a fee to send you a paper copy of any electronic Document, but reserve our ability to do so. Be sure to state which of the Documents you are requesting. reserves the right, in its sole discretion, to stop providing Documents electronically. RefiJet may also send Documents to you in paper form because we are legally required to do so or because we determine in our sole discretion that you should receive the Documents in paper rather than electronic form. will provide you with notice of any such termination as required by applicable law. If chooses to stop providing Documents electronically, will send any future Documents to you in paper form. Certain disclosures, however, will be made to you verbally if permitted by applicable law (the “Verbal Disclosures”).   


You must consent to receive Documents electronically in order to complete the credit inquiry process with and any subsequent loan process with one of our participating Lenders. Your consent will apply to Documents as defined above. You may withdraw your consent for receiving electronic Documents by notifying us in any of the ways described above. Since is structured to process all or part of your credit inquiry and any subsequent loan  electronically, not consenting, or withdrawing your consent to receive electronic Documents may result in the termination of the credit inquiry and/or loan process. Your withdrawal of this consent is effective only after we have had a reasonable period of time to act upon your withdrawal. Even if you consent, note that the Verbal Disclosures will be made to you telephonically. 

If you wish to withdraw your consent to do business electronically with our participating Lenders, you may do so at no cost to you by contacting the Lender at the mailing address, email address or telephone number they provide to you separately for such purpose.  


In order to use this service, you must consent to receive Documents electronically and you agree that these electronic disclosures will be sufficient as a “writing” under applicable law.  


In order to receive, access and retain electronic Documents, you will need the following hardware and software: 

  • a computer, mobile device, tablet or similar device with an internet connection; 
  • a current web browser that supports HTTPS connectivity;  
  • a current version of a software program that can open and display PDF files (such as an Adobe Acrobat reader); 
  • a valid email address with email software to communicate with us electronically; and 
  • an installed printer or sufficient storage space to save, store, print or otherwise retain electronic Documents. 

 These disclosures and the Documents are both provided to you in PDF; therefore, your access to this page from your own system/device verifies that your system/device has the necessary software to permit you to receive and access PDF files. 

If the system requirements for accessing the copy of your Documents on the secure webpage change so as to require different or additional hardware or software, or upgrades, plug-ins or enhancements to the hardware or software used by you (all such changes referred to as a “Systems Enhancement”), we will notify you and you may either withdraw your consent or upgrade your hardware and/or software as required by the Systems Enhancement.  

This consent is valid until revoked by either party. 

It is important that you keep your email address current with us.  Please notify us at 1.800.260.5355 if your contact information changes at any point in the refinance process.  We may treat your failure to provide us with a valid email address, or the malfunction of the email address we have for you, as a withdrawal of your consent to receive Documents electronically. 

System Requirements to Retain Information 

If you have a valid email address, a copy of the loan Documents will be provided to you upon execution in the form of an email link to a secure portal that will contaithe PDF loan documentsYou will log into the secure portal using your access credentials. The PDF document will be available to you in the secure portal for thirty (30) days. To retain a copy of the Documents, you may choose to print them, save them or both. In order to print them, you must have a functioning printer connected to your personal computing device.  If you wish to retain an electronic version of the Documents, you must have a personal computing device with the hardware and software necessary to download and store PDF files. 

By clicking to accept, you: 

  • acknowledge your receipt and review of the foregoing Federal ESIGN Disclosure and Consent; 
  • give your affirmative consent to our providing electronic Documents to you as described above; and 
  • confirm that your computer or access device satisfies the hardware and software requirements needed to access and retain the Documents that will be provided to you in electronic form, including through use of a valid email address to access a link to secure portal to access the Documents. 

If you do not click to accept you are not consenting to our providing electronic Documents to you as described above, and you are terminating your transaction with us