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.
The premiums for the policy are included in your monthly mortgage payment. Once you have paid down the mortgage enough that it is less than 80 percent of the value of the home--78 percent in the case of government-backed loans--you no longer need insurance, and the premiums stop.