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.
recently came out with new Pap smear guidelines. ï· Women should have their first screening Pap smear at age 21 unless the woman has. had a previous abnormal Pap smear. ï· Women in their 20âs should have a Pap smear every two years (assuming prior Pap. smears have been normal).