The Finance Buff

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The Finance Buff a.k.a. TFB is a pseudonym used by a blogger who writes a blog by the same name at He has been sharing his thoughts and experience about personal finance with online readers since 2006. Today, more than 50,000 people visit his blog in any month.

TFB joined the Bogleheads Forum in 2007 as its 5th registered user. He is the author of the chapter on defined benefit pension plans in Bogleheads' Guide to Retirement Planning (John Wiley & Sons, 2009). He also regularly contributes to the forum and wiki.

TFB holds an MBA degree in Finance. He has a Certified Employee Benefits Specialist (CEBS) designation from the International Foundation of Employee Benefit Plans and the Wharton School of Business, University of Pennsylvania.


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Right For Refund When The Airline Changes Your Schedule (01 December 2015)

Your non-refundable ticket may become refundable if the airline makes substantial changes to your schedule.

HSA and FSA In The Same Year (24 November 2015)

You can have HSA and FSA in the same year.

Lake Michigan Credit Union (LMCU) and PINless Debit (17 November 2015)

Merchants who run debit card purchases as PINless debit should offer consumers a choice to run it as signature debit.

HSA While On Medicare (10 November 2015)

You can still have an HSA while you are on Medicare.

Make Shared Branching Service Unnecessary (03 November 2015)

Shared branching is easy but I prefer not having to use it to begin with.

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