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.
Women who are over 70 years who have never had a Pap smear, or those who request a Pap smear, of course could have a pap smear. Remember that, with the advent of HPV testing that goes along with the papsmear test, women over the age of 30 need only to have a pap with HPV every 3 years, if both of negative. woman over 30 years old, who has had normal pap smears and negative HPV tests, should continue to have pap smears every 5 years. She may stop having pap smears at age 65.