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.
UGMA and UTMA are the two types of custodial accounts, as opposed to guardian accounts. Features of UGMA and UTMA. For both the UGMA and the UTMA savings options, the parent or grandparent is the official custodian who donates assets, and who also runs the account management. The custodian names the beneficiary and determines the age at which the beneficiary receives the money.