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.
The custodian does not own the assets in the accounts; the minor ultimately owns the assets. UGMA/UTMA accounts do not guarantee that funds will be used for a specific purpose such as college expenses. Once the beneficiary is of legal age, he or she can use the funds any way they want. The custodian can invest the accountâs assets in different types of investments, and make changes as and when they choose.