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Default Why #VALUE

My spreadsheet looks something like this:
I have 5 columns as shsown below
A B C D E
DATE Insurance Deposit Rent Total


The date goes IN TO A2
iN B2( INSURAnce) I have a formula @if(now() a2),25,"")
IN C2 (DEPOSIT)I have a formula @if(now() a2),55,"")
IN D2 (DEPOSIT)I have a formula @if(now() a2),45,"")
IN E2 I have then formula @sum(b2;d2)
the trouble is that when there is not data in col b,c,d 2 the response in e2
is # value
why is that
thanks
 
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