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.
The total contributions for the beneficiary of this account cannot be more than $2,000 in any year, no matter how many accounts have been established. Any individual (including the designated beneficiary) can contribute to a Coverdell ESA if the individual's MAGI for the year is less than $110,000. For individuals filing joint returns, that amount is $220,000.