I don't get into science as much as the next guy, but this one caught my eye, bub. You know what they say about how the best defense is a good offense? Not when it comes to biological weapons. You think I'm kidding? Researchers at the U.S. Naval Lab in Washington say llama antibodies can play a key role in keeping us safe if there's a biological weapon attack.

Sounds like something out of one of those corny '50s sci-fi flicks, right? Oh well ... something that doesn't sound corny or crazy is having extra cash when an emergency hits. So how do you do it? By learning how to make a budget, just like Dave Ramsey says. When you know where your dough is going, you're more likely to keep some around when Murphy comes knocking at your door. Don't be unprepared. The sooner you start getting ready, the sooner you'll be ready, freddy.