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.
Eligibility to contribute to a Coverdell IRA follows the income guidelines for a Roth IRA. 1  Contributions are not subject to gift tax. 2  The accounts will be tax-exempt. 3  Distributions not in excess of amounts spent on qualified education expenses will be tax-free.