Have you heard the story about man who lived in the Midwest, right smack in the middle of tornado alley? After several tornados came near his home, tearing up his neighbor's homes and barns, he decided to build a storm cellar.

He decided to go first-class and build a well-stocked cellar that would give him refuge in any storm. He spent an enormous amount of money.

But, as luck would have it, as soon as he spent the…