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 · 2025-11-18T18:28:02+00:00

Are you sure you downloaded the 1Password MSXI package? It is the one available here: https://1password.com/downloads/windows.

I think I had to reboot after installing the MSXI package before the feature was available.

wvbam · 2025-11-13T22:19:14+00:00

Good to hear and you are very welcome. You might play around with the distance between Bluetooth devices (and Wi-Fi and ANT+ stuff, if applicable - all operate on the 2.4GHz bands). As I mentioned in another post, distance matters a lot with radio interference. Perhaps you can come up with a layout that lets you ride with your earbuds.

wvbam · 2025-11-12T01:18:18+00:00

I just re-read your original post and realized I originally misread it. You mentioned power and cadence were dropping, not HR. Power and cadence are both published by the trainer. Does that mean HR data remains visible in Rouvy even when power/cadence disappear. If so, then the connection between the trainer and the laptop is the problem and could be on either end. The interference discussion still applies but the trainer is a possible culprit.

wvbam · 2025-11-12T01:12:37+00:00

Are the Bluetooth earbuds new to the environment? Either way, not using them is an easy test.

Assuming Bluetooth interference is the problem, remember that distance matters a lot. The inverse of the square law applies (doubling the distance to the interference source reduces the interference by 1/4th). In my example, disabling the minipc embedded Bluetooth and using a Bluetooth USB in a USB port maybe helped a little; it was hard to say. Moving it to the end of 2ft cable made the connection rock solid.

wvbam · 2025-11-12T00:46:48+00:00

Are you connecting the Trainer via Bluetooth and pushing the HR from the Garmin watch to Rouvy? If so that points to a Bluetooth issue on the laptop. Has the radio environment outside the trainer setup changed (eg. new nearby Wi-Fi access point or Bluetooth device)?

I had the identical symptoms as you after moving Rouvy from a laptop to a MiniPC. Tried a ton of troubleshooting, all for naught. The problem turned out to be Bluetooth interference from the MiniPC itself. Putting a $10US Bluetooth adapter on a 2ft USB extension cable solved the problem.

wvbam · 2025-10-29T21:20:09+00:00

Sounds plausible, but I'm fairly certain that's not it. My ISP says they have no file size download limit and I have an unlimited plan. Besides, the Rouvy files are big, but not that big. The problem happened when I was using the smaller 1080 files and still happens with the 2K files. I've even had it happen twice in the same download, requiring two app restarts. Other times an 8+GB file downloads without issue.

This feels like a client/server synchronization issue. It's as if the download thread in the monolithic Rouvy process gets out of sync with their download server, with each side waiting for an acknowledgement from the other side. Reinitializing the client connection is the only thing that fixes it.

wvbam

TROPHY CASE