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.
1 Ages 21 to 29: a Pap smear once every 3 years. 2  Ages 30 to 65: Pap smear every 3 years or/combination Pap smear and HPV test every 5 years. 3  Over age 65: routine Pap screening not needed if recent tests have been normal.