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.
How often you have a Pap smear depends on your age and previous Pap smear results. The latest guidelines from ACOG suggest that: Women in their 20's should have a Pap smear every 3 years. Women in their 30's to 65 years of age should undergo screening every 3-5 years.