Soak time. The length of time you marinate food depends on both the food and the marinade. Delicate fish, shellfish, and fruit usually soak for a shorter period of time (from 20 minutes to a few hours), while meats can go longer (up to a day or two).
Having your taxes and insurance included in your mortgage payment is actually very convenient. Instead of having to pay an annual insurance premium and half of your annual taxes on April 30th and the second half on October 31st, the lender establishes an automatic savings plan for you.
That said, lenders might work with new owners to allow them to simply take over the payments on the home-equity loan as well. If you have a mortgage or home-equity loan, buying life insurance is a good way to ensure that your family has the financial means to pay off the loan.