An escrow account is a special account dedicated to covering the costs for: Real estate taxes. Homeowner's (hazard) insurance. Mortgage insurance, if applicable. Catastrophe (wind) insurance, if required. Flood insurance, if required.
Pap Smears. Recommendation. Don't perform Pap smears on women under the age of 21 or women who have had a hysterectomy for non-cancer disease. Most observed abnormalities in adolescents regress spontaneously, therefore screening Pap smears done in this age group can lead to unnecessary anxiety, additional testing, and cost.
Therefore, doctors suggest that young women who are sexually active should have a pap smear every year. Women should have a pap smear by the age of 18, and sooner if they have had had sexual relations. These tests should take place every year once sexual activities begin.After three such negative tests are taken, women can slack off and have a Pap smear every three years.herefore, doctors suggest that young women who are sexually active should have a pap smear every year. Women should have a pap smear by the age of 18, and sooner if they have had had sexual relations. These tests should take place every year once sexual activities begin.