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

Why Buy When You Know The Price Is Not The Lowest (19 July 2016)

It's not possible to buy at the lowest price. When the bottom comes, you can't tell.

P2P Lending Versus Investing In Consumer Finance Companies (12 July 2016)

If you find P2P lending attractive, why wouldn't you consider investing in consumer finance companies? High interest rates aren't enough. You must also properly account for risk.

The Biggest Rock In Financial Success (28 June 2016)

The biggest rock in person finance is larger than everything else combined. Don't get distracted and take your eyes off the ball.

The Best Visa Card To Use At Costco Is Not The Costco Visa (21 June 2016)

The best Visa card to use at Costco is not the Costco Visa. It's the Bank of America Cash Rewards card with the Preferred Rewards program at the 75% bonus tier.

Opportunity Cost and The Concept of Enough (06 June 2016)

"Enough" is too loose to be useful. It can moved up or down depending on the opportunity cost.


External links


  1. Amazon editor review