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.
Since PMI allows home buyers to make a down payment of less than 20 percent, they can realize homeownership sooner with less upfront costs. Since, however, it is the borrowerâs higher risk of default that triggers the need for mortgage insurance, it is typically the borrower who pays the PMI premium.