So I remembered to open my monthly statement from the mortgage company. This month, there was a refund cheque attached to the statement, as well as a notice indicating that my escrow payment was increasing by about $10 a month. I was expecting the latter, as our property taxes are scheduled to creep up next year, and I've been reading stuff like this indicating that homeowners' insurance is also scheduled to balloon a bit. The former... why couldn't they have just left the money ride in the escrow account & cover the increases for the next two years or so? Since they don't seem to have figured any increase in the expected homeowners' insurance payment, they're probably going to hit me again next year for more; if they decide that I need to make some sort of mid-year additional payment to cover a deficit because they felt the need to take that surplus out of the account, I'm gonna be steamed.

Not as if I am going to get much of any interest income out of $345 of additional capital, even if I bother to take it out of my non-interest-bearing checking account & move it into savings.