The other 100 disinfection by-products in pool water, if you really want to worry. Some are known mutagens, meaning they cause mutations, which could lead to cancer. But one review found that even with all these chemicals, swimming pool water is about as mutagenic as drinking water.
Custodial Accounts. A custodial account is a bank or other financial account that a person opens for the benefit of another person, called the beneficiary. The person who opens the account is often the custodian -- the person who manages the account -- although it's also possible to name a third party as custodian.
Another approach for parents and grandparents may be to combine the features of custodial accounts and 529 college savings plans. For example, by placing a 529 plan within a custodial account, the parent or grandparent can retain control until the student becomes of age (generally 18 to 21, but varies by state). After that, the student would have control, but must use the money for college expenses or pay a penalty.