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.
Doctors generally recommend repeating Pap testing every 3 years for women ages 21-65. Women age 30 and older can consider Pap testing every 5 years if the procedure is combined with testing for HPV. If you have certain risk factors, your doctor may recommend more-frequent Pap smears, regardless of your age. These risk factors include: