The Story of Life, One Car at a Time

One could easily make a timeline of their life by the cars they’ve driven. We remember life by experiences, many of which involve our cars. Family vacations, first dates, driving away after your wedding, bringing home a new baby, driving home from divorce court, more first dates, etc.




I learned to drive in my parent’s 1970-something AMC Hornet Sportabout, lovingly referred to as “Horny” in our house. It was a puke-yellow color with wide wood paneling along the sides. I spent so many miles and hours in that car sharing the back seat with my two sisters who, I truly believed, if they touched me one more time, my head would explode. But maybe that wouldn’t be so bad, because at least the car ride would be over.


My mom kept a little red corduroy pillow in the car at all times. She would put it behind her back when she drove so she could reach the pedals. I can still picture her with the pillow and sitting up super straight to be able to see over the steering wheel. I wished and wished upon every star and birthday candle that I would grow enough by the time I could drive that I would not have to use that pillow. I did. No pillow, and sitting in a seat where no one touched you. My life was forever changed.




My first car was a used 1982 Ford Mustang. Whatever vision of a Mustang popped into your head, it was not that Mustang. It was brown, really brown, the color of…, let’s just say it was not a pretty shade of brown. The body style didn’t resemble the Mustangs of the past. It was kind of like there had been some sort of secret tryst with a Pinto and out came my car. Ugly as it was, it was MINE. I was 19 and free.


My new car buzz was quickly killed when I went to pick up my license plates and, I kid you not, they said PMS 812. PMS! I was horrified and it became an on-going joke for all of the years I had the car.


In those days, with the car also came a thick payment booklet. I had a monthly payment of $99 for about three years. Every month, I would tear off a sheet on the perforated line and send it in with my payment. At first, it seemed like I would be paying it forever but, after a while, it started to get noticeably thinner and thinner. I will never forget the feeling of making that last payment, and then receiving the title to my car in the mail. It felt like the biggest achievement I had ever experienced.


People don’t have payment books any more, but I wish for every young adult the feeling of accomplishment, pride, and confidence when that last check or that last electronic payment has been sent. My parents always said that anything that is really hard to do builds character. It really irritated me at the time, but it is actually 100% the truth.




The Honda Accord was next because it was supposed to be a really safe car and a baby was coming. Then the Honda Odyssey minivan because another baby was coming. After that, a couple of SUV’s with third rows for car pools, hauling sports gear, and driving safely in the snow.


Once the kids were gone, I had a couple of smaller SUVs. I was not ready to give up the feeling of being up high and in a big car, but forgoing the third row and not having stray food wrappers, fries, and water bottles under every seat was a sweet sensation.


I recently bought my first sedan in more than two decades, a 2018 Audi A3. I love this car. The price was something of a stretch and I have my monthly payments again. But, it is mine. No one else drives it or rides in it with any regularity. It is all about me. Secretly, I’ve named her “Syd” because, growing up, I always wished my name was Sydney. Syd reminds me that I can make things happen. I can wish for something and then go out there and find a way to make it happen.


It may be a little different when I get to that last payment again, but it will certainly still be sweet.


I wonder what my next car will be and how it will represent where I will be in my life. Hope it’s not a Pinto…or a Hearse.

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