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.
Key Points. 1  You can use a Coverdell Education Savings Account (ESA) to fund elementary and high-school expenses as well as college, and you'll have more investment options than a 529 plan gives you. 2  The drawback: there's an income eligibility limit, and you can only contribute $2,000 per year.