Because your kidneys are tasked with making urine, and thereby eliminating waste, any changes in the frequency, color, or appearance of urine should be taken seriously. 1  Some common types of changes include: 2  Urinating more frequently during the night or in greater amounts. 3  Urinating less often or in smaller amounts.
There are also eligibility requirements for opening a Coverdell ESA. If you file your taxes alone, your income must be under $95,000 in order to open an account. If you file as married, you and your spouse must earn less than $190,000. Grandparents can also open Coverdell ESAs.
Coverdell Contribution Limits. Each year, only $2,000 can be contributed for each beneficiary, regardless of who is making the contribution. For example, if your child's uncle puts $2,000 in a Coverdell ESA for the child, you can't contribute to an ESA for the child.In addition, you can't contribute to a Coverdell ESA if your income exceeds the annual limits, according to IRS Publication 970.or example, if you put $2,000 in a Coverdell and $13,000 in a 529 plan for your son, you're over the annual exclusion. If you're over the annual limit, you won't owe any gift tax until you've used up your lifetime gift tax credit, but you will have to file a gift tax return.