<p>Oaklandmom was correct: I was mostly referring to land line calls, although some cell plans still have limited long distance, as does my current plan. </p>
<p>Steelpangolin, I don’t often use my cell phone so prefer to have a cheap plan. How else could I afford to pay tuition bills?</p>
<p>Regarding bank accounts - in many states custodial accounts do not revert to the child until he reaches age 21. However, I don’t know what the law is in California.</p>