Hi Reader, We had no warning about a freak wild storm the other night. The wind got so bad; it blew my garbage and recycling bins into my neighbor's front yard. I had to go out in the storm to recover them. My recycling bin's cover was broken. After the initial shock, and drying off, I thought, well crap, now I have to call the company for a replacement. And you know what? I was so grateful I had money in my rainy day category, just in case I'm charged for it. (Hopefully not, but you never...