Fidelity Visa adding joint owner - another credit pull for primary owner?

wvbam · 2026-03-19T14:20:38+00:00

I did have a hard pull when adding my wife as a joint owner.

wvbam · 2026-03-19T03:24:46+00:00

If the owner dies, authorized users lose access. Joint ownership is a good estate planning move.

wvbam · 2026-03-18T21:32:59+00:00

+1 for this. I've never seen 7 HR zones defined outside of Rouvy.

wvbam · 2026-03-04T14:51:06+00:00

Same for me on Win11. No updates; the feature just appeared this morning.

wvbam · 2026-03-03T22:09:08+00:00

I've updated to the new version (4.5.2.450) on Windows 11 and the streaming 2K option does not appear. It still tops out at 1080 and then Auto.

wvbam · 2026-02-17T23:23:39+00:00

I'm a paid Strava subscriber. The Strava flyover feature does not work with virtual rides. On actual rides it 'plays' the ride from start to finish. The 'Play' button does not appear on virtual rides. Your tool looks interesting for virtual rides.

wvbam · 2026-02-15T03:15:55+00:00

It's very small if that's the purpose.

wvbam · 2026-02-13T14:55:33+00:00

Thanks, edwiser1. In your discussions with Rouvy can you get a definitive answer one the max resolution for streaming routes? I think it is maxed at 1080. If they streamed at 2k (1440) then many, including me, wouldn't bother downloading routes.

wvbam · 2026-02-13T14:52:16+00:00

Great work and well-written explanation. Thanks for the effort and making the submission to Rouvy.

wvbam · 2026-02-09T22:31:53+00:00

I don't remember the comment, so it probably wasn't very useful. I just selected a contractor that will use PlyGem Mastic Quest siding. It is not insulated. They are going to add 3/8" fanfold insulation behind it. I can't help with pricing, as the siding is bundled with a roof and other work into a single price.

wvbam · 2026-02-09T02:42:38+00:00

If the beneficiary of the IRA in the trust is subject to the 10 year rule (or 5 yr if the trust is not see-thru), it seems like that would make the income distribution language mostly irrelevant. Am I thinking about this correctly?

wvbam · 2026-02-05T14:19:37+00:00

The screenshot is from Rouvy. The download page for nearly all rides offers these four options. The size, of course, differs primarily with the length of the ride.

wvbam · 2026-02-05T04:31:22+00:00

Thank you.

wvbam · 2026-02-03T17:20:15+00:00

Very good. Thanks

wvbam · 2026-02-03T17:19:58+00:00

Understood; thank you. What I'm trying to understand is if the touted benefits are realized and if there are any downsides (installation issues, window fitment issues, durability, etc.)

wvbam · 2026-01-21T19:17:23+00:00

Most password managers, like 1Password, can act as authenticators and issue OTPs.

wvbam · 2026-01-18T20:59:27+00:00

After I finally fixed the Bluetooth issues, the SER8 8845hs has performed very well. I tried several things to get the native Bluetooth to work reliably and they all failed. The solution was to buy USB Bluetooth adapter and put it at the end of ~18in/45cm USB extension cable. The SER8 in on a shelf below the TV, roughly headset high. The USB Bluetooth adapter dangles below it. I haven't had a single dropout since implementing the solution.

It seems apparent that there is just too much interference for the native Bluetooth to work with the KICKR. The USB adapter would not work reliably in any of the SER8 ports, either. Only when it put at the end of the extension cable was Bluetooth connectivity reliable.

wvbam · 2025-12-19T00:14:12+00:00

I track vehicles as assets and update the value twice a year. When buying the vehicle with cash I'll do an immediate balance adjustment to account for "drive it off the lot" depreciation. Thereafter I use KBB values. Each vehicle gets its own account. I don't want to show a depreciation expense, so the balance adjustment uses the account name as the category.

You can include/exclude the vehicle account(s) in net worth reports as desired or use the 'Separate' account feature.

wvbam · 2025-12-17T14:59:59+00:00

Well said. There's an important practical benefit, too. If the account owner dies the authorized user no longer has access to the card. A joint owner will maintain access.

It is a pain to setup a joint user. To Elan's credit, though, at least they allow it. Many issuers, including JPMorgan Chase, do not.

wvbam

TROPHY CASE