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.
Once the money is in a custodianship, the contribution is coming from the child, and the income limits don't matter unless the child has over $95,000 of income. You would fill out the Coverdell account forms as custodian for your child's assets. If you take this approach, you should set up the Coverdell account to prohibit a change in beneficiary.