You could have a damaged or bad battery. If the alternator is warm when the engine is cold, check for a shorted or leaking diodes in the alternator. Connect a small 12-volt bulb across the positive and negative battery terminals to test the bulb and the battery. If it glows brightly, then remove the negative battery cable and connect the bulb in series between the negative battery cable terminal clamp and the negative battery terminal.
An escrow account is a type of bank account held by a third party for the benefit of two other parties. While escrows can be used in just about any transaction, they're frequently used in real estate dealings. Having a separate account for the money helps to protect both parties.
How an escrow service works. A mortgage escrow service is much like a forced savings account. Money is paid directly to the escrow service where it is held until payments are due. For example, when you pay your mortgage bill, several hundred dollars per month are added to your payment.