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.
Custodial accounts are simple to open and usually have no fees involved. Essentially you open up a bank account in the child's name and designate a custodian for the account. Money is deposited into the account for the benefit of the child. As custodian, you have complete control over the account until the minor reaches the age of 18-21 depending on the state (21yrs with CIT bank). However, after the minor reaches legal age the custodian is removed and has no access to the funds.