This is with tiled tub & shower, not insert.

The fact that you deflect such questions and actual RE discussion and rather prefer to pound your chest about how many units you own and try to knock me down in order to build yourself up is very telling too, BTW.In the case that you are purely #2 above (which of course you would never admit), then my advice would be to insert some humility into your workflow, and do it fast ... guys like you that think they are immune to market forces and can't lose money in a hot market are really a dime a dozen, and whether they invest in CA, Ohio, or any and all points out side and in between, the market has a way of humbling them in the long run.

The project turned out to be a money pit, because the mantel and the steel insert were part of the structural support of the chimney and could not be removed.

@Ed` Jones If I've properly understood....the insertion of additional entities, particularly an IRA, would only exacerbate the issue.

Good points, I would just insert that most delays nowadays are not the fault of the contractor, but rather the customer who is constantly changing things in the original scope of work.

New Google / Facebook / "Insert Tech Company Here" have been migrating south to Santa Monica, Venice, etc.

Be careful of financial items or “investor hours” and travel.Think this way: “If I did not do this (Insert Task) would be STR be negatively affected”?

It's not so much that attorneys are inherently more honest (insert your own lawyer jokes here).

I want to take this list of leads and text each one, inserting their name and a canned message. 

I also had bugs when trying to insert a list I made and skip trace with batch skip tracing.