The Finance Buff

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The Finance Buff
Born Harry Sit
Occupation Certified Employee Benefits Specialist, Author
Notable work Explore TIPS
Website The Finance Buff
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.

— from Editor review at Amazon[1]

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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The Finance Buff avatar.

TFB - The Finance BuffRSS Feed icon - 200px.png RSS feed

ACA Self-Employed Health Insurance In H&R Block Software (21 February 2017)

H&R Block software makes it easy to calculate the split between the tax credit and the tax deduction when you are self-insured and you get your insurance from the ACA marketplace.

Health Insurance As A Tax (14 February 2017)

See the true cost of health insurance on your W-2. It works like a tax. Everyone who gets insurance from the employer pays it.

2016 2017 2018 Federal Poverty Levels (FPL) For Affordable Care Act (07 February 2017)

The Federal Poverty Levels (FPL) is used to determine the premium subsidy tax credit under the Affordable Care Act. You should know where the cutoff is.

Stop Wasting Money On Doing Your Taxes (01 February 2017)

If you use a brick-and-mortar tax business for doing your tax returns, you pay hundreds of dollars, when you can do it all free with software. Stop throwing away your hard-earned money!

Soft Pull, Hard Pull, Bring It On! (24 January 2017)

Live your life the way you want. Forget about whether you will have a hard pull or a soft pull on your credit.


External links


  1. Amazon editor review