I thought I show how to do the water in here cause it does not belong in the VSF category. Here is picture of my table and you can see how the water was done.
Very cheap and very effectiv.

and voila the ocean

And now comes the good idea!
I cut MDF tiles in different shapes, sand them, put sand and static flock on them and they look like this

Combine them and voila Beach Front property

or combine them differently and you have got a river

What do you think guys? Cost was minimal and the work ...well i happen to know a carpenter who was throwing all these MDF tiles away...got them for free
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