The one thing I hate about this game (unless there was something I'm missing here) is when you try to start a new region, it either has to be all land or all water. If you want your own rivers and streams, you have to make them yourself. It's so time consuming.
I'm a lot smarter than I was when I was 11. I'm way better at this game now. Speaking of which, I've hit 100k population with 90+ mayor rating and I'm making money faster than I can spend it (currently at 4.25 million and rising).