Waterloo – Ruth L Stebing, 97 of Waterloo passed away Monday November 16, 2020 at Betz Nursing Home in Auburn. She was born in Waterloo on December 4, 1922 to John A and Nora Mae (Pifer) Kerns. Ruth was a lifetime resident of Waterloo. She graduated from Waterloo High School in 1940 and was a member of the Waterloo United Methodist Church. She was co-owner and operator with her first husband, Jack Loos, of Loos Music Store in Waterloo where she also taught students how to play the organ and piano. Ruth married Everett “Pude” Stebing on May 21, 1982 and he died July 3, 2004. She is survived by two step sons and daughter in law, Ron Stebing of Grabill and Larry and Bea Stebing of Angola, 3 step-grandchildren and 1 step great granddaughter. She was preceded in death by her parents, husband, a daughter Elaine, daughter in law, Bonnie Stebing and two brothers, Carl and Wayne Stebing. A private family graveside service will be Friday at Waterloo Cemetery in Waterloo. Memorials can be directed to the Waterloo United Methodist Church. To send condolences visit www.fellerandclark.com.