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.
A very small number of 529 plans may not accept third-party contributions. If the parents have their own accounts in these particular 529 plans, your options are to open your own accounts or give the parents cash with the request that they place your gifts into the 529 accounts for your grandchildren.