Dear Mr. Premack: Last week you were giving advice to a new grandparent on how to help support his son, who is a new parent. One of the ideas was to help fund your new grandchild’s college expenses with what you called a 529 plan, a Coverdell Education Savings Account or Education Savings Bonds. Those sound interesting to me as well. Can you tell me more about what they are? – T.W. Congress set up these legal methods to encourage people to save for college expenses. They each