Established by your lender, an escrow account is a place to set aside a portion of your monthly mortgage payment to cover annual charges for homeowner's insurance, mortgage insurance (if applicable), and property taxes. Escrow accounts are a good idea because they assure money will always be available for these payments. If you use an escrow account to pay property taxes or homeowner's insurance, make sure you are not penalized for late payments since it is the lender's responsibility to make those payments.
If your wood gluing work is less than successful, check your blades. If the blade in your saw is getting dull, it can loosen (but not remove) a layer of fibers on the edges to be joined. Later, glue may not be able to penetrate through this debris to solid wood, resulting in weak joints. A signal that this may be the problem is if ruptured joints are coated with fibers.