Until you get to a more substantial net worth, you can do without an umbrella as it is unlikely that anyone would want to sue you since most of your home and 401k are protected against creditors.

With a purchase price of $35,000 and a sale price of $50,000, the property promised substantial returns with minimal risk.

With a purchase price of $220,000 and a sale price of $275,000, the property promised substantial returns with minimal risk.

Check to make sure the tubs are substantial.  

do you think one is substantially more work than the other?

While this has been a passion of mine for some time, the substantial capital required has kept me on the sidelines.

With a purchase price of $195,000 and a sale price of $345,000, the property promised substantial returns.

With a purchase price of $162,500 and a sale price of $245,000, the property promised substantial returns.

The idea was to invest to get profits as substantial cash flow.

If the landlord fails to inform the tenant and the latter suffers substantial loss or damage to his/her personal property as a result of flooding, the tenant may terminate the lease by giving a 30-day notice to the landlord.