So you are reviewing your homeowner’s insurance policy because it has gone up in the last year and you notice a particular coverage called “Other Structures.” What is it? What is covered under this feature? Am I paying extra for this? "Other Structures" is defined by the insurance industry as structures which are on the property and separate from the home. Attached garages, porches, greenhouses, etc. are not other structures and are built into your dwelling limit.

Do older workers cost their employers more, take jobs away from younger staffers, and hurt productivity?

Well it was December 31^st 2010 at approximately 11:30 AM when the first tornado siren went off in the St. Louis area. The next 18 minutes, most of which were spent in the basement, were quite interesting. The news kept interrupting Dr. Oz who had a very interesting topic which I may cover in a future article. Anyway, the sirens stopped so we came upstairs to watch the news. The sirens sounded again, we departed to the basement and this time they stopped quickly. We heard two loud crashes during all of this and a couple of minutes later the wind stopped. We went outside and met our neighbors to assess the damage. We all had the same feeling that this one was different.