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"When it's sold as an investment or pure tax deferral, you just really want to understand what you're getting and what it costs you.
To claim this deferral, you are supposed to save the serial number and issue date of each bond, as well as records of how much interest went untaxed.
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In that case you get a deferral until you unload the shares, and when you cash out, you pay tax at the favorable capital gain rate.
Put an S&P 500 stock fund in an annuity and you will be gaining scant deferral that you couldn't have had merely by buying and holding the SPDR 500 in your brokerage account.
Also, these accounts offer the advantage of upfront deductions and complete deferral until you are required to start distributions.
What follows is complicated, but could produce decades of extra tax deferral for you or your heirs.
"This is a term of art called transmission line deferral, where you can use existing transmission lines and not have to build more".
So if the beneficiaries of your trust are very different ages say, kids from a first and second marriage your younger heirs could be robbed of years of deferral unless you do some extra planning now.
In addition to the $17,500 general deferral limit, you can contribute an additional $5,500 for a total of $23,000.
You have until the end of the year to increase your salary deferrals if you haven't been contributing at the maximum rate throughout the year.
"In terms of defaults and deferrals together, you're looking at three to four million tons so far this month," said an iron ore trader in Singapore, who spoke to Chinese buyers who have either canceled or postponed shipments.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com